Career risk management · Free calculator

Your paycheck could stop.
Your bills won’t.

Find out how long your savings would last if you lost your job. Enter your must-pay bills and the cash you can reach; the calculator divides one by the other, after any income that would keep coming in, and shows the answer in days and months. Then try a few changes and see what gives you more time.

Free to use. Your numbers stay in this browser. By using the calculator you agree to our Terms of Service.

Start with your numbers

Five questions. A clearer picture.

Estimates are fine. You can change your answers and check again.

Question 1 of 5 Take-home pay
Use the same currency for every amount. Enter numbers with or without commas.
Done
1
Take-home pay each month
What lands in your bank after tax. If it changes, use a low month.
Example: $9,200 a month
Done
2
Must-pay bills each month
Rent or mortgage, food, power, insurance, and minimum debt payments. Leave out extras.
Example: $6,600 a month
Use your own coverage cost in the same currency as your other answers. Leave this off if your bills already include that cost, so it is not counted twice.
Done
3
Cash you can use within two days
Checking, savings, and cash you can reach quickly. Leave out your home and retirement accounts.
Example: $20,000
Done
4
Debt outside your mortgage
The total you still owe on credit cards, car loans, student loans, and personal loans. Enter 0 if you have none.
Example: $47,500
Done
5
Sources of income you have now
Count each job, business, or rental that brings in at least $200 a month after its costs. Your own job counts as 1. This count is used in the score. It does not tell us how much income would keep coming in after a layoff.
Example: 1
The $200 a month line is this tool’s rule for counting a source. It is a counting threshold we chose for this tool, not a measure of safety.
+
Would any income keep coming in? Optional
Enter monthly take-home income that would continue if this paycheck stopped. A partner’s pay, a business, or rent you collect. Leave at 0 to see a no-income example.
Free. Your numbers stay on this device.
Your cash runway

How we got this

Plan for

Your choice, not a prediction. Bills stay the same, and only the income you entered counts. No severance or benefits.

Cash risk score
0/10
Our own rough checks, not an official rating. How it’s scored
Try a change
What buys you more days?
Tap one to try it. Green is the total days you’d gain.
Cut monthly bills
Add monthly income
A what-if only. Your score stays the same.
Use your own numbers
Or try setting cash aside
Keep this result
All on your device. The reminder file holds no numbers. A remembered result is your days and score, kept in this browser until you forget it.
Your two numbers
How long: checked. Is it coming: not yet.
Your cashChecked today
Your workplace0 of 18 checked

The meeting is a hard time to start connecting the dots.

18 checks and a tracking sheet. They cannot predict a layoff or promise advance warning.

Three of the twelve workplace signs in the guide. Tap any you have seen this quarter.

The guide scores all 18 and tells you what a total means. Three signs here can’t predict anything on their own.

The 18 Signs guide and Signal Tracking Checklist, shown as digital product mockups
Two downloadable guides. The devices in the picture are just for show.
$27, one time payment only
18 Signs You're About to Be Laid Off
The checks are ready. The tracking sheet is built. Start with the first one.
✓
Six public checks: where to look and what to check.
✓
Twelve workplace signs: what to watch for inside the company.
✓
Simple scoring steps: a way to record what you find.
✓
A separate tracking guide: keep your notes together and check again as things change.
Tonight: open the guide on your phone, run the first public check, write what you find in the tracking sheet. By the weekend you have a written score for “is it coming” next to the number above for “how long”.
$27, one time payment only. Two guides. USD.
Get all 18 checks and the tracking sheet ($27)
Digital download. Read on your phone or computer. No physical product is shipped. All sales are final on this digital download, except where the law requires otherwise.
What you get
Real pages from the two guides.
Cover of the guide, 18 Signs You're About to Be Laid Off. Layer 1, external signals. 18 total signals: 6 external plus 12 internal. Primary sources only. Quarterly review.
The guide. Six public checks, with the sources for each.
Partly blurred preview of the scorecard page of the 18 Signs guide, with its title readable and the checks obscured.
The scorecard. A prepared layout for recording your checks. Preview. Full content included with purchase.
Cover of the Signal Tracking Checklist. Layer 2, internal signals. 12 internal signals covered, score range 0 to 36, re-score quarterly.
The tracking checklist. A place to record workplace changes.
Partly blurred preview of a page of the Signal Tracking Checklist, showing the layout of the signs, notes lines and score boxes.
A checklist page. Each workplace sign has a notes line and a score box, so what you see gets written down. Preview. Full content included with purchase.
Pages shown are from the files you download. Parts of the paid content are blurred in these previews; your purchased files contain the full pages. Both are guides you download. There is no app, dashboard, or printed book.
That is the first number this page gives you. Estimate how long your savings will last without a job using your own bills and cash: it divides the cash you can use by your monthly must-pay bills, minus any income you said would keep coming in, and shows the answer in days and months.
See an estimate of how long you could pay bills without a paycheck by entering your must-pay bills and your cash. The planning period buttons then show what 3, 6 or 9 months of those bills would cost and how much of it your cash covers.
Compare your savings with the bills you would need to cover for the time you choose. Pick 3, 6 or 9 months above and the page shows the cost, what your cash covers, and the gap. The period is your planning choice, not a prediction of how long a job search takes.
It works for any gap in pay. It is built as a savings calculator for job loss, but the question “how long can I live off my savings” is the same before a planned break, a job change, or a layoff, and the answer comes from the same numbers. What you type stays in your browser and is not sent anywhere.
Two guides: the eighteen-sign guide and the tracking checklist. The guide has six public checks, twelve workplace signs, and steps for scoring what you find.
The checks and tracking sheet are already made. Follow the steps and add what you find. You do not have to build the tool first.
No tool can promise that. This helps you check possible signs and keep a record. It cannot tell you if or when your job will end.
That tells you about your cash cushion in this example. It does not tell you what is happening at your company. The guide helps with that separate check.
Yes. You can check workplace changes while planning your next move. You do not have to wait for a layoff to get ready.
No. This purchase includes the guide and checklist described here. Any other tools are optional and sold separately.
All sales are final on this digital download, except where the law requires otherwise. The full policy is at wealthtactical.com/legal/refund.
Legal pages: privacy, terms, refunds.
18 Signs You're About to Be Laid Off
The checks are ready. Start with the first one.
Get all 18 checks and the tracking sheet ($27)
$27, one time payment only. Two guides. USD.

Cash coverage. Your cash divided by your monthly bills, after taking off any income you said would keep coming in. A month is counted as 30.44 days. If the income you entered covers the bills, there is no drawdown in the example, and we say so instead of showing a number.

Planning periods. The 3, 6 and 9 month choices are planning windows. They are not predictions of how long a job search takes, and no government statistic is used to set them. Earlier versions of this page compared your cash to the average length of unemployment. That comparison was removed in September 2026 because that statistic describes people who are still unemployed, not how long it takes to find a job.

Cash risk score. Four checks, each scored 0, 5 or 10 points. Higher means more exposed.

1. Cash divided by monthly bills: 0 points at 6 months or more. 5 points from 3 months to under 6. 10 points under 3 months. This check uses your bills before any income that would keep coming in.

2. Bills divided by take-home pay: 0 points at 50% or less. 5 points above 50% and up to 70%. 10 points above 70%.

3. Debt outside your mortgage divided by a year of take-home pay: 0 points at 15% or less. 5 points above 15% and up to 35%. 10 points above 35%.

4. Sources of income: 0 points at 3 or more. 5 points at 2. 10 points at 0 or 1.

The score is the average of the four, rounded to a whole number. If your cash covers under one month of bills, the score can’t go below 7. That floor is a rule of this tool, carried over from the first version. It is our choice, not a scientific line. If you enter no bills, the cash check scores 0 and the floor does not apply. If you enter no pay, the bills and debt checks score 10 when there are bills or debt.

These cut-offs are rough checks of different parts of your situation today. We chose them. No government agency or other institution set them or endorses them.

ScoreBandWhat it means
0 to 2ResilientLower exposure in this check.
3 to 4WatchWorth a closer look.
5 to 7ExposedExposed.
8 to 10CriticalHighly exposed.

What changed from version 1. The old score had five checks, and two of them measured the same cash cushion. Version 2 counts it once. A score from before September 2026 is not comparable to one from now.

Not counted: the value of your home, retirement accounts, company stock, future raises, severance, unemployment benefits, and how easy jobs are to find in your field.

Health coverage: enter the monthly cost you expect to pay. The calculator adds that figure to the bills you entered; it does not quote insurance or convert currencies.

The same math, step by step: a worked example with made-up numbers is on How to calculate your cash runway.

Disclaimer
This tool and all content on this page are provided for general educational and informational purposes only. Nothing here constitutes financial advice, investment advice, tax advice, legal advice, accounting advice, insurance advice, employment advice, or any other form of regulated professional service. No advisor-client, fiduciary, attorney-client, or professional relationship of any kind is created by your use of this tool.

All scores, dates, projections, coverage calculations, and cash estimates are generated entirely from user-provided inputs and are illustrative only. Unless you enter continuing income, the coverage shown assumes no income replacement of any kind, no reduction in expenses, no liquidation of any other assets, and no other sources of cash. It is a mathematical output of your inputs, not a prediction, guarantee, or financial forecast. Individual outcomes will vary materially based on factors this tool cannot assess, including jurisdiction, employment agreements, benefit plan documents, tax filing status, health needs, family obligations, and applicable law.

Score thresholds are this tool’s own planning rules. They are not endorsed by any government agency or institution and may not apply to all individual circumstances. Consult a licensed financial advisor, CPA, or employment attorney before making significant financial, legal, or employment decisions.

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Get the 18 Signs ($27)