Free financial tools — no sign-up required

Plan with clarity
instead of fear.

Worried about losing your job to AI, a layoff, or just life's uncertainty? You're not alone. These free tools help you understand exactly how long your money will last if your income suddenly stopped.

No sign-up required No financial advice Just your numbers, clearly calculated

Three tools. One clear picture.

Work through each step in order, or jump straight to the tool you need. Results from Step 1 feed directly into Step 2.

1
Step 1 — Separation Pay
What will I actually receive?
Calculate your true net pay after taxes — severance, PTO payout, and bonus.
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Your situation
$

Before COBRA kicks in.

$

Avg $600–800/mo single coverage.

Separation pay components
$

Taxed at 22% federal supplemental rate.

$

Taxed as regular wages each paycheck.

$

Taxed as regular wages. State law varies.

$

Taxed at 22% federal supplemental rate.

Your net separation pay
⚠️ Tax bill warning: Your total income this year may push you above the 22% withholding bracket. You could owe additional taxes at filing. Consider setting aside extra or consulting a tax professional.
2
Step 2 — Cash Flow Runway
How long will my money last?
Enter your numbers. If you used Step 1, severance and COBRA are already filled in.
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Savings & assets
$
$
$

After-tax amount.

$
Monthly expenses
$
$
$
$
$

Monthly cost after employer coverage ends.

$
$
Income replacement
$
$

COBRA cost excluded from expenses during this period.

Your results
Total savings
—
Monthly shortfall
—
Your runway
—
0 months24 months
What-if scenarios
No changes (baseline)
—
Cut spending 15%
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Cut spending 25%
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Add $1,000/mo income
—
3
Step 3 — Budget Planner
Where can I cut to last longer?
Build a lean budget that stretches your runway. Identify what to cut first.
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🛠️
Coming soon
The budget planner is in development. Complete Step 2 and enter your email — we'll notify you the moment it launches.
In development
🔒
Private by design
Your numbers never leave your device. Nothing is stored, tracked, or shared.
⚡
Instant results
No account. No waiting. Enter your numbers and see your runway immediately.
🔗
Tools that connect
Step 1 results feed directly into Step 2. One seamless, connected experience.
These calculators are for informational purposes only and do not constitute financial, tax, or legal advice. Results are estimates based on the figures you enter. Please consult a qualified financial professional before making financial decisions.

A Streamform Solutions LLC product  ·  hello@mylayoffplan.com