• Guiding your retirement with the right balance of human expertise and AI precision.

What Should You Do With Your Retirement Plan When Your
Career Changes?

Clear answers about 401(k)s, layoffs, rollovers, retirement income, and
career-transition financial decisions.

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FINANCIAL CLARITY TOOL

How long can you last… if your income stopped today?

Most people overestimate their runway by 40%. Before you make any moves with your 401(k), severance, or savings — know your actual number.

Total Savings / Liquid Assets
Monthly Living Expenses
Severance
Other Income

Financial Runway Calculator

Enter your numbers to get your personalized runway estimate.

AmericasRetirementPlan.ai - Financial Runway Calculator
AmericasRetirementPlan.ai

Financial Runway Calculator

Rebuilt to include the full core runway inputs, including unemployment insurance benefits, unemployment duration, projection period, and a direct state unemployment-office lookup link. Use it to estimate how long your current resources may last during a layoff or career transition.

Inputs

Enter your current cash resources, monthly obligations, income offsets, UIB details, and projection period.

Available resources
Monthly expenses
Monthly income offsets
Unemployment insurance benefits
Projection settings
Open state UIB office / filing page
This calculator is for educational planning only. It is a strategic estimate, not tax, legal, or benefits advice.
Your results

Runway Summary

This updates instantly based on your inputs.

Total starting resources
$0
Total monthly burn rate
$0
Monthly non-UIB income offsets
$0
Net monthly burn after non-UIB offsets
$0
Net monthly UIB (when active)
$0
Estimated runway
0 months
Runway coverage over selected projection period
0% of selected projection period covered.
Reality check

Month-by-Month Projection

Shows how resources may decline over time based on your assumptions.

Month UIB used Net burn Ending balance
financial_runway_calculator_rebuilt.html Displaying financial_runway_calculator_rebuilt.html.

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Here's What Actually Happens After a Layoff

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  • The 3 decisions that determine your financial future

  • How to take control — even if you're scared

Most people overestimate their runway by 40%. Before you make any moves with your 401(k), severance, or savings — know your actual number.

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