Layoff Calculators: Severance, Runway, Unemployment, COBRA and More
Every calculator and tool on LayoffNext, in one place — 16 of them, grouped by the question they answer. Each runs in your browser: no login, nothing stored or sent anywhere.
Educational estimates only. Verify severance, unemployment, health insurance, tax, final paycheck, retirement, and legal decisions with official sources or qualified professionals.
Layoff Financial Snapshot
A quick, private estimate of where you stand. Fill in what you know — the rest can be $0 for now — and get a runway estimate plus the right next calculator.
Layoff Financial Snapshot
A 2-minute estimate of your accessible cash, monthly gap, and runway. Free, no login, no personal details collected — everything runs in your browser and nothing is saved.
Which Layoff Calculator Should You Use First?
Match your situation to the best starting point.
| Your situation | Start here | Why it matters |
|---|---|---|
| I just got laid off | Layoff Runway Calculator | See how long your savings may last. |
| I received severance paperwork | Severance Pay Calculator | Estimate value, strength, red flags, and HR questions. |
| I need health insurance | COBRA vs Marketplace Calculator | Compare monthly cost and coverage tradeoffs. |
| I need income support | Unemployment Benefits Estimator | Estimate a possible weekly benefit and verify with your state. |
| I need to cut expenses | Emergency Budget Calculator | Separate essential, negotiable, and pause-now expenses. |
| I received final paycheck / PTO details | Final Paycheck & PTO Payout Calculator | Estimate remaining wages, PTO, and timing questions. |
| I have severance but don't know the taxes | Severance Tax Calculator | Estimate the possible withholding impact. |
| I'm considering using retirement money | 401(k) After Layoff Decision Helper | Compare rollover, leave-in-plan, and cash-out risks. |
| I'm on an H-1B or work visa | H-1B 60-Day Countdown | Turn the grace period into a date, then confirm with an immigration attorney. |
| I'm thinking of quitting instead | What Quitting Costs You | See what you give up by resigning before a layoff. |
I just got laid off
Layoff Runway Calculator
See how long your savings may last.
I received severance paperwork
Severance Pay Calculator
Estimate value, strength, red flags, and HR questions.
I need health insurance
COBRA vs Marketplace Calculator
Compare monthly cost and coverage tradeoffs.
I need income support
Unemployment Benefits Estimator
Estimate a possible weekly benefit and verify with your state.
I need to cut expenses
Emergency Budget Calculator
Separate essential, negotiable, and pause-now expenses.
I received final paycheck / PTO details
Final Paycheck & PTO Payout Calculator
Estimate remaining wages, PTO, and timing questions.
I have severance but don't know the taxes
Severance Tax Calculator
Estimate the possible withholding impact.
I'm considering using retirement money
401(k) After Layoff Decision Helper
Compare rollover, leave-in-plan, and cash-out risks.
I'm on an H-1B or work visa
H-1B 60-Day Countdown
Turn the grace period into a date, then confirm with an immigration attorney.
I'm thinking of quitting instead
What Quitting Costs You
See what you give up by resigning before a layoff.
All Layoff Calculators and Tools
Each tool provides an educational estimate. Use them together to build a complete picture.
Start & risk
Where you are, and how exposed you are.
Layoff Risk Calculator
- Best for
- Anyone who senses a layoff coming and wants a number on it.
- What it estimates
- A risk level from 19 job-security signals, plus an action plan.
- What it does not replace
- Inside information about your employer's plans.
Build My Layoff Plan
- Best for
- Anyone who wants one ordered plan instead of a library of advice.
- What it estimates
- A prioritised checklist for today, this week and the next 30 days, with your deadlines counted down.
- What it does not replace
- Advice on your specific agreement, claim or visa.
Cash runway
See how long your money lasts and where it goes.
Layoff Runway Calculator
- Best for
- Anyone who just lost a job and needs the big picture.
- What it estimates
- How many months your savings, severance, and PTO can cover expenses.
- What it does not replace
- Detailed tax planning or state unemployment rules.
Emergency Budget Calculator
- Best for
- Cutting spending fast while income is uncertain.
- What it estimates
- A survival budget that separates essential from optional expenses.
- What it does not replace
- A full financial plan or debt-restructuring advice.
Final Paycheck & PTO Payout Calculator
- Best for
- Understanding your last check and PTO payout timing.
- What it estimates
- Remaining wages, PTO payout by state, bonuses, and when it is legally due.
- What it does not replace
- Your state's exact final-pay law or a wage claim.
Severance & taxes
Value the offer, spot red flags, and plan for the tax hit.
Severance Pay Calculator
- Best for
- Anyone who received a severance offer or paperwork.
- What it estimates
- Package value, strength rating, red flags, and HR questions before you sign.
- What it does not replace
- An employment attorney's review of your agreement.
Severance Tax Calculator
- Best for
- Knowing the net, not the headline, severance amount.
- What it estimates
- How federal and state withholding may reduce a lump-sum payout.
- What it does not replace
- Your final tax bill or a CPA's advice.
PIP vs Severance Decision Tool
- Best for
- Weighing a Performance Improvement Plan against an exit offer.
- What it estimates
- Which path scores better, plus red flags and HR questions.
- What it does not replace
- Legal advice on your specific PIP or agreement.
Income
Estimate the support you may qualify for.
Health insurance
Compare coverage costs before your plan ends.
Retirement & equity
Protect long-term savings while you recover.
Visa
Prepare before a layoff, and map the grace period to a date after one.
H-1B Layoff Readiness Calculator
- Best for
- See the tool page.
- What it estimates
- An educational estimate.
- What it does not replace
- Professional advice.
H-1B 60-Day Countdown
- Best for
- H-1B holders who need the grace period as a date, not a rule.
- What it estimates
- Your last day to file, transfer or depart, counted from your termination date.
- What it does not replace
- Advice from an immigration attorney on your case.
H-1B six-year limit calculator
- Best for
- See the tool page.
- What it estimates
- An educational estimate.
- What it does not replace
- Professional advice.
Quitting
Leaving on your own terms, without leaving money behind.
What Quitting Costs You
- Best for
- Anyone thinking about resigning before, or instead of, a layoff.
- What it estimates
- The severance, unemployment, equity, bonus and PTO you give up by quitting, and the best date.
- What it does not replace
- A review of your contract or equity plan.
Resignation Letter Generator
- Best for
- Anyone who has decided to resign and needs the letter today.
- What it estimates
- A dated, formatted resignation letter in three tones, with .txt, .docx and PDF download.
- What it does not replace
- Advice on notice periods in your contract.
Leaving a job in India?
Notice pay, gratuity, leave encashment, PF and exit tax follow Indian labour law, not US rules. Those calculators live in the India section.
Decision Pages for Special Situations
Deeper, employee-first guides for the specific questions the calculators can't fully answer.
Prepare Your Budget for a Layoff
A normal monthly budget is not the same as a layoff budget. A layoff budget should separate essential bills, negotiable expenses, pause-now spending, healthcare costs, and debt minimums so you can protect cash while income is uncertain.
Categories a layoff budget should cover
- Rent or mortgage
- Utilities
- Groceries
- Transportation
- Health insurance
- Medications
- Debt minimums
- Childcare or family support
- Phone and internet
- Insurance
- Subscriptions
- Job search costs
- Other essentials
The Emergency Budget Calculator works through these with a current and a reduced amount for each, in your browser. Nothing you enter is stored or sent anywhere.
Need the day-by-day money timeline? The full 24-hour, 7-day and 30-day checklist is on Laid Off Today.
For a version ordered around your own dates and situation, use Build My Layoff Plan.
Official Rules and Deadlines to Verify
These are general reminders, not advice. Confirm the details that apply to you with the official source.
Severance
Federal law generally does not require severance under the FLSA. Severance usually depends on employer policy, an agreement, or a collective bargaining agreement. Verify your actual agreement and consider attorney review.
Unemployment
Claims are generally filed with the state where you worked. Contact your state unemployment program as soon as possible after becoming unemployed.
COBRA
COBRA may allow continuation of group health coverage for a limited period after job loss or reduced hours. Verify election timing and eligibility with your plan documents and official sources.
Marketplace
Loss of job-based coverage may create a Marketplace Special Enrollment Period. Verify deadlines on HealthCare.gov or your state exchange.
Final paycheck
Federal law does not require immediate final-paycheck payment, but some states do. Verify your state's rules.
Taxes
Severance pay, unemployment compensation, and accumulated leave can be taxable. Do not treat gross amounts as fully spendable cash.
401(k)
Early retirement withdrawals may trigger income tax and an additional 10% tax unless an exception applies. Consider alternatives before withdrawing.
Verify with official sources
Rules, thresholds, and deadlines change and vary by state — always confirm current details with the official source or a qualified professional before acting.
Examples: How to Use These Tools Together
No severance, limited savings
$5,000 savings, $4,000 monthly essentials, no severance.
- Start with the runway calculator and emergency budget.
- Then check unemployment and health insurance options.
Severance offer received
8 weeks severance, PTO payout, COBRA cost unknown.
- Start with the Severance Pay Calculator.
- Then the Severance Tax Calculator, COBRA vs Marketplace, and runway calculator.
H-1B worker with family coverage
Must verify termination date, visa timing, health coverage, and runway.
- Start with the H-1B 60-Day Countdown.
- Then COBRA vs Marketplace and the runway calculator.
Considering a 401(k) withdrawal
Short runway with a retirement account balance.
- Start with emergency budget and an unemployment estimate.
- Then the 401(k) decision helper — and mind taxes and penalties.
Common Financial Mistakes After a Layoff
Still Planning Ahead?
If a layoff hasn't happened yet, these tools help you prepare before anything is announced.
Layoff Risk Calculator
Am I about to be laid off? Score 19 job-security factors and get a personal risk level plus a tailored action plan.
Check my layoff riskRelated Guides & Resources
Use these calculators alongside LayoffNext guides to build a complete recovery plan:
Your next steps
Keep your momentum — here's where to go next.
Build My Layoff Plan
Turn your numbers into a personalized first 24 hours, 7 days, and 30 days plan.
OpenLayoff Runway Calculator
See how many months your savings, severance, and PTO can cover.
OpenMoney After Layoff
Stabilize cash flow and protect your runway after a job loss.
OpenHR Email Template
Ask HR how your severance was calculated and what conditions apply.
OpenUnemployment Benefits
How to file and what to expect in the state where you worked.
OpenFrequently Asked Questions
Which layoff calculator should I use first?+
How do I calculate financial runway after a layoff?+
Should I include severance in my runway calculation?+
Is severance taxable?+
Is unemployment taxable?+
Can severance affect unemployment benefits?+
How should I compare COBRA and Marketplace coverage?+
What should I include in a layoff budget?+
How much emergency cash should I keep after a layoff?+
What should I ask HR about final paycheck and PTO?+
Should I cash out my 401(k) after a layoff?+
What should H-1B workers calculate first after a layoff?+
What if I do not know my health insurance end date?+
What if my severance is salary continuation instead of lump sum?+
Are these calculators legal or financial advice?+
Important Disclaimer
These tools provide simplified educational estimates only. LayoffNext does not provide legal, tax, financial, insurance, investment, employment, unemployment, immigration, or benefits advice. Actual severance, unemployment, final paycheck, PTO, COBRA, Marketplace, tax, retirement, and visa outcomes vary by employer, plan, state, agreement, and individual situation. Verify important decisions with official sources and qualified professionals.
Deepak Middha is the founder of LayoffNext and a Chartered Accountant (ICAI, India). A U.S. immigrant with nearly 20 years of experience — and 17 years in hedge fund and private equity administration, including as Vice President of Fund Accounting at NAV Fund Administration Group and Associate Director of Private Equity and Real Estate at SS&C Technologies — he builds free, plain-language layoff tools and guides for employees, H-1B workers, and immigrant families.
Layoff recovery tips for employees
Get practical layoff recovery tips, financial planning reminders, job-search guidance, and new free tools.
Free weekly email. No spam. Unsubscribe anytime. Learn what's inside