A free layoff runway calculator — private, instant, no sign-up.
Know your runway. Make your own luck.
All calculations happen in your browser — nothing is saved or sent anywhere.
Luck Buffer calculates how long you can survive financially if you lose your job. Enter your liquid savings, any expected severance, and your monthly expenses to get your exact runway — the number of months before your money runs out. The Lifestyle Simulator shows how expense cuts extend that timeline. The Income Gap tool shows what you'd need to earn to reach a 6, 12, or 18-month target. The Action Plan generates a prioritized checklist matched to your exact runway tier. Everything runs in your browser — nothing is stored or sent anywhere.
Also try: Severance Optimizer — compare lump sum vs. salary continuation after tax · COBRA vs ACA Calculator — find the cheapest health insurance option
Your current income, savings, and monthly expenses.
Monthly Expenses
Total monthly expenses
See when you're likely to land an offer, overlaid on your runway.
How long your savings can sustain your current lifestyle.
Enter your financial details above to calculate your runway.
Formula: Runway = (Savings + Severance) ÷ Monthly Burn Rate
How much would you need to earn to extend your runway to a target?
Select target runway
Additional monthly income required beyond your current savings to reach this target.
A concrete checklist tailored to your runway tier.
🔒 We send the report; we don't store your financial data. Privacy Policy
A layoff runway calculator tells you how many months you can live on your savings if your income stops. It divides your total liquid assets — savings plus any severance — by your monthly burn rate to give you a precise financial survival timeline.
Financial runway = (Savings + Severance) ÷ Monthly Burn Rate. If you have $30,000 saved and spend $3,000 per month, your runway is 10 months. Luck Buffer runs this calculation automatically and shows how lifestyle cuts extend that number.
Most financial planners recommend a minimum of 3–6 months of expenses. If you work in a volatile industry or hold a senior role, 9–12 months provides meaningful security. Use this calculator to find your current number and close the gap.
Start with the highest-leverage categories: housing (negotiate rent, find a roommate, or move), subscriptions, and discretionary spending. The Lifestyle Simulator shows exactly how many months each cut adds to your runway.
No. Luck Buffer runs entirely in your browser — your numbers are never sent to any server, stored in cookies, or saved in localStorage. Refresh the page and everything clears.
No account, no email, no sign-up required. Enter your numbers and get your results instantly.
Treat it as a financial emergency. File for unemployment the same day, call creditors before missing payments to negotiate deferment, and cut all non-essential expenses within the first week. The Action Plan section generates a tier-specific checklist based on your exact runway.
Yes. Enter your expected severance in the Financial Snapshot alongside your savings. The calculator adds them together and divides by your monthly burn rate to show your total runway including severance.
This tool runs entirely in your browser. No data is ever sent to any server. Your entries are saved to your browser's localStorage so you can pick up where you left off — nothing leaves your device. Use the Clear saved data button in the snapshot to erase everything.