This free calculator shows how long your savings would last, your earliest and safest quit timelines, and what needs to change before you leave.
Quitting a job isn't about motivation — it's about margin for error.
This tool helps you answer one question with real numbers:
Can you quit now, should you wait, or are you not there yet?
Enter your income, expenses, savings, and risk tolerance to see:
Insurance, moving, setup costs
Buffer runway based on how long to land/replace income
If side income is uncertain, assume it drops by this %
Being "ready" to quit your job doesn't mean having zero fear.
It means having enough financial runway to survive uncertainty.
This calculator uses your monthly burn rate, savings, side income, and risk assumptions to estimate:
If the result says "not viable yet," it doesn't mean never.
It means something specific needs to change — and this tool shows you exactly what.
There's no universal number. Most people aim for 3–12 months of living expenses depending on risk tolerance, income stability, and obligations. This calculator shows a personalized target based on your inputs.
Your financial runway is how long your savings can cover your expenses if your income drops or stops. A longer runway gives you more time to find new income without panic.
You can include insurance or other quitting costs as one-time expenses or higher monthly expenses to see how they affect your quit timeline.
No. This tool is for educational and planning purposes only. It helps you understand tradeoffs and timelines, not make decisions for you.
This tool is informational only and does not provide financial or legal advice.