How many months will your savings last between jobs?
Add your cash, the money still coming in and what you spend. See your runway on a bare-bones budget and a normal one, how many months each of your own bare-bones changes would add, and your lowest balance before a new job's first paycheck. Everything stays on this device.
Your runway
How long your money lasts
An estimate from the numbers you enter. Not financial, tax or benefits advice. Your state decides unemployment eligibility and amounts; enter what it tells you.
Your starting point
Your runway counts down to this amount, not to zero. Leave blank for $0.
Your cash
The cash you can use right now. Retirement accounts can be listed, but they are never counted.
Balances are 0 or more. For a debt, add its monthly payment under What you spend, or an amount due as a one-time cost.
Money coming in
One-time payments
Severance, a PTO payout or a tax refund. Enter what lands in your account, after tax, and pick the month it lands.
Weekly benefit payments
Enter the amounts your state tells you: the weekly amount and the number of weeks. The tool spreads them evenly by month (weekly × 52 ÷ 12) from the first month you pick until the weeks are used up. Real payments can start later or vary; set the first month and weeks to match yours.
Monthly income
Side income, a partner's income. Set when it starts and, if it stops, the last month.
What you spend
Monthly spending
Add a normal amount and a bare-bones amount for each line. Leave bare-bones blank if it would stay the same. The Custom budget uses whichever you pick for each line.
One-time upcoming costs
A car registration, an insurance premium. They count in every budget, in the month you pick.