02 · Preparing to Leave
Post-Resignation Living Expense Runway Calculator
Calculate how many months your savings can cover after resigning based on expenses and income.
02 · Preparing to Leave
Post-Resignation Living Expense Runway Calculator
Calculate how many months your savings can cover after resigning based on expenses and income.
About Living Expense Runway
The runway is based on available cash and monthly burn
The calculator first subtracts your safety buffer and one-time costs from savings plus one-time income. It then compares core living costs, fixed commitments, flexible spending, and expected post-resignation income to estimate monthly burn and convert that into months and days.
Inputs are remembered in this browser
The form uses local storage under paji-toolset.living-expense-runway, so returning to the same browser can restore the latest numeric settings. Values are sanitized into numbers, negative inputs are treated as zero in the calculation, and changing any field recalculates the overview locally.
Sharing avoids financial line items
A result card appears only when there is positive available cash and positive monthly burn. The card shows the runway duration, while the share link uses tool mode and returns to this calculator instead of restoring your savings, expenses, or income. Site analytics may still record calculation events when analytics is enabled.
FAQ
Common questions and answers about this topic.
How long will my savings last after I quit?
The runway is your usable funds divided by your monthly burn. Usable funds are your savings plus one-time inflows, minus the safety buffer you want to keep and any one-time costs. Monthly burn is your core, fixed, and flexible spending minus any income you still expect after quitting. Divide one by the other and you get the number of months (and days) your money covers.
How much emergency buffer should I keep before resigning?
There is no single right number. A common rule of thumb is three to six months of essential expenses, and people facing a slower job market or irregular income often prefer more. Enter the amount you refuse to touch as the safety buffer, and the calculator sets it aside first, so your runway only counts cash you are genuinely willing to spend.
Does the calculation include income after I quit?
Yes. Any monthly income you still expect (freelancing, unemployment benefits, a partner's support) is subtracted from your monthly spending to give the real burn rate. If that income already covers your expenses, the tool marks the runway as effectively unlimited for now, and still shows how many months you would last if the income stopped.
Are my financial numbers uploaded or saved anywhere?
The calculation runs in your browser, and the amounts you type are only kept in this browser's local storage so you can pick up later — they are not uploaded. Share links use tool mode and return to the empty calculator instead of carrying your savings, expenses, or income. If site analytics is enabled, it may log a calculation event with the resulting runway and your available-funds total, but never the individual amounts you entered.
What is monthly burn rate, and how can I extend my runway?
Monthly burn is how much cash you spend beyond your income each month — core costs plus fixed commitments plus flexible extras, minus any post-resignation income. To stretch the runway you can lower burn (trim flexible spending, renegotiate fixed commitments) or raise income (side work, benefits). The calculator also shows how much to trim or add each month to hit common targets such as six or twelve months.