Lost your job, or worried you might? See how many months your savings, severance and unemployment will cover, and what helps them last longer.
Cut food & everything else by
Your money lasts about
11 months
Counting from this month.
Money left, month by month
Months with unemployment pay
The estimate starts with your savings plus severance, adds unemployment and other income each month, and subtracts your costs until the money runs out. Unemployment amounts and lengths vary by state, so check your state's site for your real figure.
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A common rule is three to six months of essential costs. If your industry is going through layoffs or job searches are taking longer, aiming for six months or more gives you more breathing room.
It depends on your state and past earnings. Many states replace roughly 40–50% of your old weekly pay up to a cap, usually for up to 26 weeks. Your state's unemployment site has a calculator with your exact figure.
In some states, severance pay can delay or reduce unemployment benefits. Check your state's rules, and apply as soon as you're eligible either way.
Usually not. Withdrawing from a 401(k) or IRA early generally means income tax plus a 10% penalty, so it's best treated as a last resort.