Job exit calculators
Fourteen tools, one rule: each answers a different question. Quitting safely is mostly arithmetic, the hard part is using honest inputs. Start with the question you're actually asking.
Quit My Job Calculator
“Can I afford to quit?”
The composite check: savings, expenses, side income, and your target date combined into a readiness band with next steps. The only tool here that gives a verdict.
Runway Calculator
“How long will my savings last?”
Pure burn-rate math: months of survival at your real spending, plus scenario testing, cut expenses 10%, add part-time income, see what moves the number.
Emergency Fund Calculator
“How big should my buffer be?”
Outputs a savings target, not a duration. Adjusts for dependents, debt payments, insurance costs, and how replaceable your income is.
Savings Goal Calculator
“When could I afford to quit?”
The forward-looking inverse of the runway tool: your gap to target, your monthly savings rate, and the month the math says yes.
Budget Planner
“What will I actually spend?”
A line-item post-quit budget builder. Its output is the honest “monthly expenses” number every other calculator depends on.
Side Hustle Income Calculator
“How much does side income change things?”
Models variable or ramping income against your expenses, including a freelance ramp-up preset, and shows the effect on runway and risk.
COBRA Cost Calculator
“What will health insurance cost?”
Prices COBRA continuation or a replacement plan across your gap, and compares it with a marketplace quote. The biggest forgotten cost after a US quit.
Severance Runway Calculator
“How long will my severance last?”
Turns a severance payout into months of runway and a run-out date, and shows how long the severance lasts on its own.
Notice Period Pay Calculator
“What am I owed on the way out?”
Estimates notice pay, unused leave payout, and any bonus owed from your salary and notice period, so you can check your final payslip.
Freelance Rate Calculator
“What rate replaces my salary?”
Works out the hourly and day rate you need after unbillable time, costs, tax, and time off. The fix for the most common underpricing mistake.
Coast Number Calculator
“Is my retirement already on track?”
Your Coast FIRE number: the amount invested now that grows to your retirement target with no further saving. Eases the pressure on the next job.
FIRE Number Calculator
“How much to be financially independent?”
The portfolio that lets your investments cover your spending for good, from your expenses and a safe withdrawal rate, plus the years to reach it.
Lean FIRE Calculator
“What does FIRE cost on a lean budget?”
The smaller target a frugal budget needs, and how much sooner it arrives than regular FIRE.
Barista FIRE Calculator
“What if part-time income covers some costs?”
When a part-time job funds part of your spending, your portfolio only has to cover the gap, so the number you need shrinks.
Which calculator first? A 30-second decision flow
- Don't trust your expenses number? Start with the Budget Planner. Garbage in, garbage out applies to every tool below.
- Still deciding whether quitting is viable? Use the Quit My Job Calculator for the full readiness picture.
- Already decided, need the survival math? The Runway Calculator answers "how long" without the rest.
- Not ready yet, want a date? The Savings Goal Calculator turns your gap into a timeline; the Emergency Fund Calculator sets the target itself.
- Counting on freelance or side income? Pressure-test it with the Side Hustle Income Calculator before it goes in any other tool.
- Facing a specific cost or change? Price health cover with the COBRA Cost Calculator, a layoff payout with the Severance Runway Calculator, your final pay with the Notice Period Pay Calculator, a freelance rate with the Freelance Rate Calculator, or your retirement track with the Coast Number Calculator.
How these tools are built
Each calculator runs published formulas on numbers you enter, nothing is stored, inferred, or personalized behind the scenes. The math, assumptions, and known limitations are documented on the methodology page and repeated under each tool. Outputs are educational estimates, not financial advice.
Pair the tools with the thinking: how much to save before quitting, how long savings really last, and the complete safe-exit guide.
Frequently asked questions
Which calculator should I use first?
If you are deciding whether you can quit at all, start with the Quit My Job Calculator, it combines the key inputs into one readiness check. If you already know you are leaving and just need the survival math, the Runway Calculator is more direct. If your monthly spending number is a guess, do the Budget Planner first; every other tool is only as accurate as that input.
Do the calculators work outside the US?
Yes. They are currency-agnostic, you enter amounts in your own currency and the math is the same. What differs by country is the context around the numbers: healthcare costs, notice rules, and payout rights. Our guides and country pages cover those differences.
Where do the formulas come from?
Every formula and assumption is published on our methodology page, and each calculator explains its own math below the tool. Nothing is a black box.