Layoff Survival Calculator
How long can you weather a layoff? Combines savings, severance, and unemployment benefits into total runway.
FAQ
How is unemployment calculated?
States typically pay ~50% of your previous wages up to a state-specific cap. The cap varies wildly: ~$235/wk in Mississippi vs $1,019/wk in Washington. Duration is usually 12-26 weeks.
What about COBRA?
Continuing employer health insurance via COBRA is expensive — often $600-1,500/month. Marketplace plans with subsidies (which kick in once income drops) are usually cheaper. Compare both before deciding.
What should I do in the first 30 days?
File for unemployment immediately (don't wait). Decide on health coverage. Update LinkedIn and resume. Negotiate severance if offered (especially the agreement terms). Contact your network — most jobs come via warm intros.
Will UI cover my expenses?
Usually not. UI replaces 30-50% of average income for most workers, far less for high earners. Treat UI as a bridge, not a replacement.
Disclaimer. Estimates only. UI rules and benefit amounts vary; verify with your state UI agency. COBRA decisions need careful comparison with ACA marketplace coverage. If laid off, you may want a fee-only financial advisor or career coach.