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The Escape Hatch
Can I Quit
My Job?
Enter your numbers. Get an honest answer. No fluff, no judgment. Just the runway you actually have.
Enter your numbers
Savings, expenses, and side income go below.
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06 mo12 mo24 mo36+ mo
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Months runway
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Burn rate / day
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Monthly gap
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// savings runway month by month
// what needs to change to flip the light green
⚠️ Educational estimate only, not financial advice. Runway math is savings divided by monthly burn — real life is messier (unexpected costs, market swings, health surprises). Add a 3-6 month safety buffer to whatever the calculator shows. Nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
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How to know if you can afford to quit

The question "can I afford to quit my job?" comes down to three numbers: how much you have saved, how much you spend each month, and how long you need that money to last. This calculator runs those numbers instantly and tells you whether your financial position supports walking away.

It goes beyond a simple "savings divided by expenses" calculation. It factors in investment returns on your remaining portfolio, any alternative income sources (freelancing, rental income, part-time work), tax implications, and the real cost of losing employer benefits like health insurance and retirement contributions.

Whether you are considering a career change, planning to start a business, taking a sabbatical, or just need to know your runway, this tool gives you a clear, honest answer based on your actual numbers.

Frequently asked questions
How much savings do I need before quitting?
A common guideline is 6–12 months of expenses as a minimum safety net. If you plan to job search, budget for 3–6 months. If you are starting a business or taking extended time off, 12–24 months gives more breathing room. This calculator helps you model your specific scenario.
Should I quit my job to pursue FIRE?
Not necessarily. Many FIRE strategies like Barista FIRE and Coast FIRE involve switching to lower-stress or part-time work rather than quitting entirely. The calculator helps you see whether your portfolio supports full retirement or whether a transitional approach makes more sense.
How do I calculate if I can afford to quit my job?
Divide your total liquid savings by your monthly expenses. This gives you your runway in months. For example, $60,000 in savings with $4,000/month expenses = 15 months of runway. This calculator also adjusts for any part-time income, side hustle earnings, and whether you have assets you could liquidate.
How many months of savings do you need to quit your job?
Financial advisors typically recommend 6-12 months as a minimum before quitting. If you are starting a business, 18-24 months is safer. If you have alternative income streams or a partner working, 6 months can be enough. This depends entirely on your monthly burn rate and risk tolerance.
What is a financial runway?
Financial runway is how long your savings will last at your current spending rate. It is the number of months you can sustain your lifestyle without employment income. A longer runway reduces the pressure to accept any job offer and gives you time to pursue the right opportunities.