“How long can I survive if I lose my job?”
Runway calculator
Your runway in months, a 12-month cash forecast, and the month your cash could run short.
AI is changing jobs faster than most layoff plans
If Your Paycheck Stopped Tomorrow, How Many Months Would You Have?
Find out in 30 seconds, free. Then plan what to do next, before stress starts making the decisions.
Workbook + 23-page PDFNo subscriptionNo bank loginExcel or Google SheetsLaunch price $49 $29USD
The honest version
Your Real Runway Is Usually Shorter Than the Quick Math
The number above assumes nothing changes. A layoff changes several things at once. Turn on the ones that apply to you.
These amounts are examples to show the effect. In the workbook you enter your own.
And this is still one guess. The workbook runs three scenarios: a hard one, an expected one and a quick recovery.
Stress-test itFive questions, five tools01 02 03 04 05 $49 $29
Every Layoff Raises Five Questions. This Answers All of Them.
Not a course. Not a pile of generic articles. One connected system: enter your numbers once, and every tool updates with your answers.
“How much emergency savings do I actually need?”
Emergency fund planner
A savings target built from your real costs, your gap, % funded and months to reach it.
“What if severance is late or the search takes longer?”
Scenario simulator
Stress, base and recovery cases side by side, month by month, so one number can't give false confidence.
“I know I should prepare. What do I do first?”
30-day action plan
20 prioritized tasks for while you're employed and after a layoff, with due dates and progress tracking.
“I just got laid off. What do I do right now?”
72-hour action plan
15 time-ordered steps across the first three days, with the 11 critical ones flagged.
Prepare before a layoff. Know your options if it happens.
Get all fiveInside the toolkit
One Spreadsheet. Seven Tabs. Every Number Shows Its Working.
You fill in the amber cells once and every tab updates from them. Nothing is hidden behind an app. Click into any cell and see the formula.
7Connected tabs
23Page playbook
35Action steps
10 minTo enter your numbers
fxAmber cells = your inputs. All five tools read from this profile.
Readiness snapshot
Start hereESTIMATED NO-PAY RUNWAY5.8 mo
EMERGENCY GOAL FUNDED69.8%
FIRST 72H · CRITICAL TASKS11
Accessible savings$25,000
Essential living expenses / mo$3,400
Debt minimums / mo$400
Health coverage after layoff / mo$500
Expected net severance$0
Severance arrival month1
Existing emergency savings$18,000
Current take-home pay / mo$6,500
Tap the workbook tabs to switch sheets. The figures are the sample values the workbook ships with, not real results.
About 10 minutes to enter your numbers
Fill in your numbers once. When something changes, like a raise or a new rent, update one cell.
Check every formula
No black-box app. Click any cell to see exactly how it's calculated.
Stays with you
Keep it on your computer or in your own Google Drive. No account, no bank login.
Plus: the companion playbook (PDF)
The spreadsheet does the math. The playbook explains what to do with it.
A 23-page guide that walks through each tool with worked examples, and covers the parts a spreadsheet can't, like health coverage, taxes and benefits.
- 01Quick start: your first 20 minutes
- 03Runway, with worked examples
- 04Emergency fund, with a worked example
- 05Scenarios: compare outcomes, set triggers
- 0672-hour plan, with proof to keep
- 0730-day plan: prepare, then stabilize
- 09US: health coverage, taxes, cash triage
- 11Official sources to verify rules
If it happensHour 0–24 Hour 24–48 Hour 48–72
The First 72 Hours, Already Written Down
Right after the news is the worst time to work out what to do. The checklist puts 15 actions in order, marks 11 as critical, and has space for your own deadlines.
Get the facts
- Confirm official separation date
- Get final pay and severance details in writing
- Confirm when health coverage ends
- Identify immediate bills and cash needs
Protect the essentials
- Review agreement terms before signing
- Note severance response deadlines
- Compare COBRA and other coverage routes
- Review unemployment benefit options
Switch to plan mode
- Re-run your runway with the real numbers
- Build a bare-minimum spending budget
- Create a 30-day cash and bill plan
- Start a job-search and networking plan
Includes links to official sources: dol.gov (EBSA), healthcare.gov and CareerOneStop.
Is This Right for You?
This is for you if…
- Layoffs in your company or industry are making you nervous
- You have savings but don't know how many months they'd actually cover
- You'd rather have a plan now than build one in a panic
- You're comfortable entering numbers in a spreadsheet
It's not for you if…
- You want an app that connects to your bank automatically
- You need tax, legal or investment advice for your situation
- You want something to tell you what's going to happen
- You won't open a spreadsheet
The offer$49SAVE $20
Know Your Number Before You Need It
Two files, one price. Launch price $49 $29 USD. Download both right after checkout.
Launch price · One-time payment
$29USD
Pay onceNo subscriptionKeep forever
Unlock the toolkit One session with a fee-only planner$150–400
One month of COBRA health coveroften $600+
MonthsLeft toolkit, launch price$49 $29
Private by designNo bank login, no account. Your numbers stay in your own file.
Things included:
- Readiness snapshotRunway, emergency-fund % and critical tasks on one screen
- Runway calculatorPlus a 12-month cash forecast that counts severance when it arrives
- Emergency fund plannerTarget, gap and months to reach it
- Stress, base and recovery scenariosEnding cash after 12 months for each
- 30-day action plan20 tasks with priorities and overdue tracking
- 72-hour layoff checklist15 time-ordered steps, 11 marked critical
- 23-page companion playbook (PDF)Worked examples, plus US health, tax and benefits notes
FAQ
Straight Answers Before You Buy
Have a question that isn't here? Email support@monthsleft.com. We reply within one business day.
Is this financial advice?
No. It's an educational planning tool that calculates estimates from the numbers and assumptions you enter. It doesn't replace a qualified financial, tax, legal or benefits professional.
What do I actually get?
Two files, available to download right after checkout: an Excel workbook (.xlsx) with seven connected tabs (Start Here, Runway, Emergency Fund, Scenarios, 30-Day Plan, 72-Hour Plan and Settings) and a 23-page PDF playbook that explains how to use each one. Nothing is shipped and there's no subscription.
Does it work in Google Sheets?
Yes. It's built in Excel and you can upload it to your own Google Drive and open it in Google Sheets. Some formatting may look slightly different outside Excel.
I haven't been laid off. Is it still useful?
That's the best time to use it. The runway, emergency fund and 30-day plan are for preparing while you're still employed. The 72-hour checklist is there in case you need it.
I'm not in the US. Will it work for me?
The workbook works anywhere. Enter the amounts in your own currency. Chapter 09 of the playbook (health coverage, taxes, cash triage) and the COBRA examples on this page are US-specific.
Does it connect to my bank?
No. You type in the numbers you choose. There are no logins and no data collection. The file stays on your computer or in your own Google Drive.
Does it calculate taxes or unemployment benefits?
No. You enter net severance and any other income yourself. Eligibility and tax rules vary by location, so check them with the right professional or government source.
Is this a subscription?
No. You pay once and keep both files. There are no recurring charges and no account to manage.
Prepare before a layoff. Know your options if it happens.$49 $29
You Have About 8.1 Months. Know What to Do With Them.
You can't control when a layoff happens. You can know your numbers and have a plan ready before it does.
Get the toolkit