🛫Layoff Runway Planner

What it is

A timeline that answers one question: how long the money lasts. It combines severance after withholding, unemployment benefits for your state, health-coverage premiums, other monthly costs, and savings into a month-by-month projection with the month things run short.

How it works

Severance is taxed with the IRS supplemental method from the verified Publication 15 figures. Unemployment benefits come from your state pack — its verified maximum weekly amount and duration, with the state’s own severance-interaction rule quoted beside the result. The projection draws on severance first, then benefits week by week, then savings, and marks the first month the resources fall short.

Getting the most from it

1. Pick your state so the benefit ceiling and duration load from its verified rule pack.
2. Enter the gross severance offered and wages already paid this year.
3. Refine the weekly benefit with a figure from your state calculator or determination letter.
4. Add the health premium, other monthly costs, and any savings you would draw on.
5. Export the deadlines so the COBRA election window and the runway end date sit in your calendar.

Reading your result

Read the month count as a planning range, not a promise: benefit eligibility, waiting weeks, and the timing of severance payments all move it. The amber row shows where the projection breaks, which is the useful part — it is the month to plan backwards from.

What it can't tell you

It cannot confirm unemployment eligibility, apply state waiting weeks, or model partial-benefit weeks from part-time work. Severance offsets vary by state and by how the employer allocates the payment. Taxes on unemployment benefits are not deducted from the benefit figure. Only your state agency and plan administrator can determine actual amounts and dates.