Layoff Risk Assessment

How many days until a lost paycheck becomes a financial problem?

Measure your exposure across emergency runway, debt load, income concentration, benefit dependency, and liquid assets. Get a prioritized view of the vulnerabilities that could put your household under pressure.

Takes about 2 minutes · 7 questions · results appear instantly on this page
0.0 wks
Mean unemployment duration
Bureau of Labor Statistics Table A-12, 2026
0%
US adults who could not cover 3 months of expenses
Federal Reserve SHED 2025
$0/mo
Avg. family COBRA cost if employer coverage ends
KFF Employer Survey 2025, at COBRA's 102%
Free, no payment No login required Results on this page instantly Raw inputs stay on your device
Step 1 of 7 Household
Where are you based?
Visiting from elsewhere? The score is ratio-based and works with any currency. Just skip the COBRA add-on below.
Done
Are you the primary income earner in your household?
Done
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.
Processed locally in your browser. This number is never transmitted.
Done
02
Monthly Essential Expenses
Fixed non-negotiables only: rent or mortgage, utilities, groceries, minimum debt payments, insurance. Exclude subscriptions and dining out.
Done
03
Liquid Emergency Savings
Cash accessible within 48 hours: checking, savings, money market. Do not include 401(k), RRSP, or home equity.
Done
04
Total Non-Mortgage Debt Balance
Credit cards, car loans, student loans, personal loans. Exclude your mortgage. Enter 0 if none.
Done
05
Number of Active Income Sources
Primary job = 1, side business = 1, rental = 1. Only count sources generating $200+/mo.
Your inputs are complete.
Before you see it: the Federal Reserve found that 45% of US adults could not cover three months of expenses from savings (SHED 2025), and the mean unemployment spell now runs 24.4 weeks (Bureau of Labor Statistics Table A-12).
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Scoring your five dimensions locally
Computing runway and expense ratiosdone
Benchmarking against Bureau of Labor Statistics A-12 durationdone
Scoring five dimensionsdone
Your Financial Fragility Score
0/10
Strongest area
Largest vulnerability
Your runway against a typical search
Your savings last
Typical unemployment spell
Savings run out around
Mean spell ends
Based on your inputs only. Illustrative, not a prediction.

Breakdown
Your 5 Dimensions
How your score was calculated
Final Score
Floor rule applied: runway under 1 month forces a minimum score of 7.
Your Priority Action Plan
Top Actions Based on Your Score
Reference points to review with a licensed advisor, not personalized instructions.
    What would change your score?
    Move the sliders to see how specific actions affect your fragility level.
    Extra monthly savings (6 months) $0
    Monthly fixed-cost reduction $0
    Income sources to add +0
    Move the sliders above to see how specific moves change your score.
    Three things that quietly erode resilient positions
    1
    Lifestyle creep that outpaces savings growth. Income goes up, fixed costs go up, liquid runway stays flat.
    2
    Benefit dependency they have not priced. Family COBRA runs $2,294/mo (KFF 2025, at COBRA's 102%), rarely added to the monthly floor.
    3
    Equity and vesting cliffs that disappear on the exact wrong date.
    The 90-Day Solvency System
    Right now
    After the system
    What the free calculator leaves out, and the system delivers:
    ✓
    Layoff-Proof Finances Playbook, built around the 90-day gap-close sequence
    ✓
    Financial Resilience Toolkit: Excel workbook with Monthly Budget and Fragility Scorecard tabs
    ✓
    Severance negotiation section, COBRA costed against the ACA marketplace
    ✓
    Income gap bridging strategy and a quarterly maintenance review
    One missed COBRA payment runs $2,294 (KFF 2025, at COBRA's 102%). The system is $57, less than one hour of employment attorney time.
    Yours to keep.One payment, instant download, no subscription. Because it's a digital product, all sales are final. Questions before you buy? Email growth@wealthtactical.com.
    $57 USD. One payment. Instant download. Yours to keep.
    Illustrative Scenarios
    How the Score Plays Out Across Situations
    Fictional composites, not real individuals or testimonials.
    Marcus T., 38 · Senior SWE · $310K total compScore 8 · Critical
    My base sounds like a lot until you see my burn rate. Mortgage, two kids in daycare, one income. I had 28 days of liquid runway. I didn't count my RSUs because half aren't vested. The COBRA number for my family, I had no idea it was that high.
    Single income · 2 kids · High fixed costs
    Priya S., 41 · Director of Product · $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 run that math until the calculator did it for me.
    Married, 1 child · Spouse earns $60K · Startup equity underwater
    Ryan C., 29 · Engineer · $195KScore 6 · Exposed
    I told myself equity would cover any gap. It doesn't, not until it's vested and liquid. My actual cash runway was 51 days once I ran the numbers.
    Single · Pre-IPO equity · High discretionary spend
    Are you ready for a layoff?
    45% of US adults could not cover three months of expenses (Federal Reserve SHED 2025). Share this with someone who should run the number.
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    What should we build next?
    What's the one financial problem you want solved next?

    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.

    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. The score measures what is accessible and usable in the first 90 days of a job loss, not total financial health.

    1. Emergency Runway: liquid savings ÷ monthly essential expenses. Safe ≥ 6 months. Watch 3–5.9. Danger < 3. Source: CFPB Financial Well-Being guidance.

    2. Expense-to-Income Ratio: essential expenses as % of take-home income. Safe ≤ 50%. Watch 51–70%. Danger > 70%.

    3. Debt-to-Income Ratio: non-mortgage debt as % of annual income. Safe ≤ 15%. Watch 16–35%. Danger > 35%.

    4. Income Diversification: active sources generating $200+/mo. Safe ≥ 3. Watch = 2. Danger ≤ 1.

    5. Savings Adequacy: liquid savings as % of the 6-month target. Safe ≥ 100%. Watch 50–99%. Danger < 50%.

    Final score: each dimension scores 0 (Safe), 5 (Watch), or 10 (Danger), then averaged. Floor rule: if runway is under 1 month, the score cannot fall below 7.

    ScoreStatusWhat it means
    0-2ResilientStrong position. Quarterly monitoring.
    3-4WatchGaps present. Crisis possible within 90–120 days.
    5-7ExposedHardship likely within 60–90 days.
    8-10CriticalCrisis conditions in days, not months.

    Data anchors: Bureau of Labor Statistics Table A-12 (2026) for unemployment duration. Federal Reserve SHED 2025 emergency savings table. KFF 2025 Employer Health Benefits Survey for COBRA. CFPB for DTI thresholds.

    $57 USD, one payment on Gumroad. That covers the playbook and the Excel Financial Resilience Toolkit, yours permanently. Because it's a digital product, all sales are final.
    No. One payment, yours forever. No recurring charges, no account required, no renewal.
    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 considerations and includes worksheets for your exact numbers. The scoring framework is a starting signal, not a final word.
    Resilient positions erode quietly. The system includes a quarterly maintenance review, benefits continuation decisions, equity guidance, and income gap bridging.
    Because it's a digital download you keep, all sales are final and we don't offer refunds. If you have a problem with your order or a question before buying, email growth@wealthtactical.com.
    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 scenarios presented on this page are fictional illustrative composites. They do not represent real individuals, actual clients, or guaranteed results.

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