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Runway, floor, cushion.

Three numbers tell you more about the next few months than a full budget will. Runway is how long your cash lasts at the pace you live now. Floor is the least you can spend and still keep the roof, the lights, and the insurance. Cushion is the money coming in from severance and unemployment — real, but finite. Together they turn a vague worry into a date, and a date is something you can plan around.

Your numbers

None of this is sent anywhere. It runs in your browser and disappears when you close the tab.

Cash you could actually spendChecking, savings, and anything else you'd use before touching retirement.

What you spend in a normal monthThe real number, not the aspirational one.

Floor — the lines you can't skipThe absolute minimum that keeps the lights on, the rent paid, and the insurance current.

Housing

Utilities & phone

Health insurance premium

Groceries

Minimum debt payments

Everything else that's non-negotiable

"Everything else" is childcare, transport, medication — the things that are not optional in your household.

Severance, after taxThe take-home, not the headline number. If you haven't been told yet, leave it blank.

UnemploymentThe weekly amount is on your state's determination letter. Most states pay up to 26 weeks; use what your letter says.

Unemployment, weekly

Weeks you expect to receive it

Find your state's agency →

The three numbers

These update as you type. Empty fields count as zero. None of them is a verdict — they're the starting point for every money decision that follows.

Runway

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at what you spend today

Floor

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what a month costs if you cut everything optional

Cushion

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severance plus unemployment — money that arrives once, then stops

What the floor buys you

Runway at the floorHow long your cash lasts if you cut everything back to the non-negotiables.

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Runway at the floor, with the cushionThe same, once severance and unemployment are counted in — the outer edge, not the plan.

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Where these numbers go

Nothing here is stored.

This page doesn't have a form to submit. Close the tab and the numbers are gone. If you want to keep them, that's what your PinkSlipped Plan is for.

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