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Wait. Do you know this number?
Most employed professionals earning $100K+ think they have more runway than they do. The average job search now runs 24.4 weeks. If your savings ran out before that search ended, what would you do?
It's 4:37 pm on a Thursday.
Your access just disappeared. How long can you last?
This is for employed professionals earning $100K or more — engineers, consultants, analysts, program managers, anyone whose income depends on a single employer — who have never actually calculated how long they could survive a layoff. The next two minutes will either reassure you or change what you do this week.
Where are you based?
Note for Canadian users: COBRA does not apply in Canada. CPP and EI affect your income replacement timeline. The dollar benchmarks on this page use US data from BLS, Federal Reserve, and KFF. The scoring framework, principles, and action plan apply regardless of where you are. Adjust the COBRA references to your provincial health coverage transition costs.
24.4 wksMean unemployment duration right nowBLS Table A-12, latest available 2026
45%U.S. adults without 3 months of savingsFederal Reserve SHED 2025
$2,249/moAvg. full family health premium if employer subsidy endsKFF Employer Survey 2025 ($26,993/yr / 12)
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Are you the primary income earner in your household?
01
Monthly Take-Home Income
Net pay after taxes, what actually hits your bank account. Not gross salary. If it varies month to month, use a conservative 3-month average.
Most people enter their primary employer income here. That's the point.
Pull your last two bank statements. Most people underestimate this by 20%.
$
Please enter your monthly essential expenses. This field is required to calculate runway.
03
Liquid Emergency Savings
Cash you can access within 48 hours: checking, savings, money market. Do not include 401(k), RRSP, home equity, or anything with penalties or delays.
If you'd have to sell something or pay a penalty to get it, it doesn't count here.
$
Please enter your liquid savings balance.
04
Total Non-Mortgage Debt Balance
Outstanding balances: credit cards, car loans, student loans, personal loans. Exclude your mortgage. Enter 0 if you carry none.
$
Please enter your total non-mortgage debt (0 if none).
05
Number of Active Income Sources
Count each source separately: primary job = 1, side business = 1, rental income = 1, freelance = 1. Only count sources generating at least $200 per month consistently.
Most people answer 1 here. That's the problem.
Please enter the number of active income sources (0 if none).
📊
Your score is ready.
Before you see it: most employed professionals earning $100K or more who run this calculator find out they have less than 90 days of real runway once COBRA costs are factored in. People earning $200K+ are often more exposed than they think because their burn rate is high and their liquid savings haven't kept pace with their lifestyle. See where you actually stand.
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Scoring your profile
Running your numbers against Federal Reserve and BLS benchmarks...
Your Financial Fragility Score
0
Savings would run out around
Average search ends
Based on your inputs only. Assumes no income replacement, no expense reduction, and no other cash sources. For illustrative purposes only, not a financial prediction.
Where this leads without action
Right now
After the system
Breakdown
Your 5 Dimensions
Model Scope
What This Score Measures — And What It Doesn't
Evaluated
Liquid emergency runway
Expense-to-income burden
Non-mortgage debt load
Income source diversification
Savings adequacy vs. 6-month target
Not Evaluated
Net worth or home equity
Retirement account balances
Stock compensation or RSUs
Future earning potential
Industry or role-specific job prospects
This tool evaluates short-term solvency resilience only. A high net worth individual with illiquid assets and no liquid savings will score poorly. That is intentional. The score measures what is accessible and usable in the first 90 days of a job loss, not total financial health.
Score Key
What Each Score Means
Score
Status
What It Means
Your Priority Action Plan
Top Actions Based on Your Score
What would change your score?
Move the sliders to see how specific actions affect your fragility level right now.
Extra monthly savings$0
Monthly expense cut$0
Income sources to add+0
Move the sliders above to see how specific moves change your score.
Three things that quietly destroy resilient positions
1
Lifestyle creep that outpaces savings growth. Income goes up, fixed costs go up, liquid runway stays flat. Most high earners do not notice until it is too late to course-correct without pain.
2
Benefit dependency they have not priced. At $2,249 per month for family COBRA (KFF 2025), most people have never added that number to their actual monthly floor. It changes the runway calculation significantly.
3
Equity and vesting cliffs that disappear on the exact wrong date. A layoff 60 days before a major vest is not bad luck. It is a known risk that the 90-Day System helps you document and negotiate around.
The 90-Day Solvency System
Turn Your Score Into a Plan
Your score shows where you stand. The system shows exactly what to do about it.
What this free calculator does not include: The complete 21-page 90-day before, during, and after layoff protocol. The interactive Excel scorecard with live formulas and dollar-gap targets per dimension. Severance and COBRA negotiation scripts. Income stack rebuild strategy. And the quarterly maintenance system that keeps your score moving.
✓
Layoff-Proof Finances Playbook, 21 pages across 7 sections with a full 90-day action protocol
✓
Financial Fragility Scorecard, Excel with live formulas and a dynamic priority action plan
✓
Monthly Budget Tool, fixed, variable, and savings categories that feed directly into the scorecard
One missed COBRA payment runs $2,249. One botched severance negotiation costs weeks of salary. One bad panic decision costs months. This system costs less than one hour of employment attorney time.
🛡
14-Day Full Refund. No Forms. No Questions.
Read it. Use it. If you do not think it was worth it within 14 days, go back to Gumroad and request a refund. Same day. That is the deal.
This calculator is free. The system behind it is not. The time to build runway is before you need it. Every week you wait is a week less leverage.
You pay once. Instant access. No subscription, ever.
2
You get the PDF playbook and Excel scorecard immediately.
3
You open the scorecard, enter your numbers from this calculator, and your 90-day plan generates automatically.
Real Situations
How This Plays Out for People Like You
Marcus T., 38 — Senior SWE, Big Tech · $310K total compScore: 8 — Critical
"My base sounds like a lot until you see my burn rate. Mortgage, two kids in daycare, wife at home. I had 28 days of liquid runway. I didn't count my RSUs because half aren't vested. The COBRA number for my family, $2,249 a month, I had no idea. I bought the system the same day."
Married, 2 kids · Spouse not working · High fixed costs
Priya S., 41 — Director of Product, Series B · $210KScore: 6 — Exposed
"I kept telling myself we had two incomes. We do. But my income is 78% of our monthly floor. If I go, we have 44 days. I didn't do this math until I ran the calculator. That was a bad afternoon."
James K., 45 — VP of Sales, Enterprise SaaS · $420K OTEScore: 7 — Exposed
"Variable comp looks great on paper. It does not exist when you're between jobs. My base alone covers about 60% of what we actually spend. I had never separated those two numbers before. The calculator did it in 90 seconds."
Married, 3 kids · High lifestyle spend · Variable-heavy compensation
Keisha M., 33 — Data Scientist, Financial Services · $165KScore: 9 — Critical
"I earn more than anyone in my family ever has. I have $6,200 in savings. That is 38 days at my burn rate. I have $94,000 in student loans and my minimum payments are $1,100 a month. Those don't stop if I lose my job."
Single · High-cost city · Significant student debt
David and Rachel L., 44/42 — Eng. Manager + Consultant · $285K combinedScore: 5 — Exposed
"We knew health insurance mattered. We didn't know it would cost $2,249 a month without David's employer paying most of it. We have a medically complex kid. COBRA is not optional for us."
2 kids, one with ongoing medical needs · Coverage is not negotiable
Ryan C., 29 — ML Engineer, AI Startup · $195KScore: 6 — Exposed
"I feel safe because I'm in AI. That's probably the most dangerous feeling in tech right now. My equity is illiquid. My liquid runway was 51 days. I'm in the industry doing the automating. I'm not immune to it."
Single · Pre-IPO equity · High discretionary spend
Sandra W., 52 — Sr. Program Manager, Defense Contractor · $145KScore: 7 — Exposed
"I've survived four rounds of cuts. I kept thinking experience protected me. What actually protects me is runway. I had 61 days. I'm also 52. The data on search length for people my age is not encouraging."
Divorced · 2 kids in college · Helping with tuition
Michael and Jess T., 37/36 — Staff Engineer + Stay-at-Home · $275KScore: 8 — Critical
"One income, three kids, a mortgage. I knew we were exposed. I didn't know the number was 34 days. We also have $67,000 in non-mortgage debt. My minimum payments are $1,800 a month. Those don't negotiate."
Single income · 3 kids · $67K non-mortgage debt
Aisha R., 39 — UX Research Lead, Consulting · $135KScore: 6 — Exposed
"The calculator shows you your individual fragility, not your household comfort. Those are two very different things. We earn $180K combined and live like it. If my income specifically disappears, we have 41 days."
Married · No kids · High combined lifestyle spend
Tom B., 48 — Director of Engineering, Big Tech · $380K total compScore: 7 — Exposed
"I earn more now than I ever imagined I would. I also spend more. Second mortgage, two teenagers approaching college, a lifestyle that requires my income to function. My liquid savings cover 52 days. My total comp sounds like security. My runway told a different story."
Married · 2 teenagers · Second home · High fixed obligations
The scenarios above are illustrative examples created to show how the Financial Fragility Score applies across different financial situations. They do not represent real individuals, actual events, or guaranteed outcomes. Your results depend entirely on your own inputs and individual circumstances.
Are you ready for a layoff?
Most employed professionals earning $100K or more aren't. Share this with someone who should find out before they have to.
I just ran my Financial Fragility Score on Wealth Tactical. If you earn $100K or more and haven't stress-tested your finances against a real job loss, this calculator took me 2 minutes and was uncomfortable in a useful way. Knowing your runway is not the same as looking for a job. It is the same as having car insurance. Check yours: https://score.wealthtactical.com
This tool is a screening instrument, not a diagnostic. It gives a structured signal about financial resilience based on five dimensions. It is not a financial plan or personalized advice.
1. Emergency Runway — Liquid savings divided by monthly essential expenses. Safe = 6 or more months. Watch = 3 to 5.9 months. Danger = under 3 months. Source: CFPB Financial Well-Being guidance.
2. Expense-to-Income Ratio — Essential expenses as a percentage of take-home income. Safe = 50% or under. Watch = 51 to 70%. Danger = over 70%.
3. Debt-to-Income Ratio — Non-mortgage debt as a percentage of annual income. Safe = 15% or under. Watch = 16 to 35%. Danger = over 35%. Thresholds are an internal benchmark informed by Federal Reserve Consumer Credit data and standard mortgage lending underwriting practices (CFPB QM guidance).
4. Income Diversification — Active income sources generating $200 or more per month. Safe = 3 or more. Watch = 2. Danger = 1 or fewer.
5. Savings Adequacy — Liquid savings as a percentage of the 6-month expense target. Safe = 100% or more. Watch = 50 to 99%. Danger = under 50%.
Final score: Each dimension scores 0 (Safe), 5 (Watch), or 10 (Danger). The five scores are averaged. Floor rule: if emergency runway is under 1 month, the final score cannot fall below 7.
Data anchors: BLS Table A-12 (latest available 2026) for unemployment duration. Federal Reserve SHED 2025 emergency savings table for savings adequacy rates. KFF 2025 Employer Health Benefits Survey average annual family premium of $26,993 divided by 12 for the COBRA benchmark (actual COBRA costs vary by plan and may include up to a 2% administrative fee per federal rules). CFPB for DTI thresholds.
No. One payment, yours forever. No recurring charges, no account required, no renewal. You pay once and the PDF and Excel scorecard are yours to download, use, and keep.
A PDF playbook and an Excel scorecard. The PDF works on any device. The Excel file works on Mac and PC with no special software beyond Excel or Google Sheets.
The playbook covers both US and Canadian-specific considerations and includes worksheets for your exact numbers. The scoring framework is a starting signal. The playbook is where you apply it to your actual situation, contracts, benefit plan documents, and jurisdiction.
Resilient positions erode quietly. The system includes a quarterly maintenance protocol, a benefit exposure worksheet, an equity and vesting cliff tracker, and an income stack audit. It is how you stay in the top position when income changes, expenses creep, and benefit plans shift.
Yes. Go back to Gumroad within 14 days of purchase and request a refund. It processes the same day. No forms, no explanation needed. The only ask is that you actually open it before deciding.
What should we build next?
What is the one financial problem keeping you up at night that you wish someone would just solve? We build based on what you actually need.
Still here?
That gap between your runway and the job search timeline is real.
You have seen your number. You know the gap. The only question left is whether you close it now or wait until you have to.
Educational Use Only — Not Financial, Legal, or Professional Advice
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, runway calculations, and depletion dates are generated entirely from user-provided inputs and are illustrative only. The depletion date 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 benchmarks are general guidelines sourced from publicly available institutional data. They may not apply to all individual circumstances. Consult a licensed financial advisor, CPA, or employment attorney before making significant financial, legal, or employment decisions.
The hypothetical scenarios presented on this page are illustrative examples only. They do not represent real individuals, actual clients, or guaranteed results.
Data & Privacy
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