Situational guide
Best Calculators to Use After a Job Loss
A focused guide to the SumPilot calculators that help with severance, unemployment, runway, health insurance, and monthly budget pressure after losing a job.
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Start with cash runway
After a job loss, the first practical question is how long available cash can cover essential expenses.
A runway estimate does not solve the whole situation, but it helps turn panic into a timeline. It also shows which assumptions matter most: severance, unemployment, health insurance premiums, fixed bills, and spending cuts.
Then compare income replacement
Unemployment benefits, severance, PTO payout, part-time work, and household support can all change the monthly gap.
Treat each source separately. Some are certain, some are pending, and some may not arrive at all. A useful calculator should let you test the conservative version before relying on the optimistic one.
Do not skip health insurance
Health insurance can become one of the largest new monthly costs after job-based coverage ends.
Compare COBRA, Marketplace coverage, Medicaid eligibility, and any spouse or partner plan before assuming one number. Then put the monthly premium into the budget like any other recurring bill.