About these calculators

Job loss calculators focus on the first money questions people face after income changes: how long savings may last, what monthly shortfall looks like, how insurance costs affect the budget, and how much income must be replaced. This category is useful for laid-off workers, spouses, caregivers, and families trying to make quick triage decisions. The calculators include emergency funds, savings runway, COBRA and marketplace estimates, budget cuts, severance runway, debt pressure, and job-search costs. These pages are not a substitute for benefits counseling, tax advice, or a full household plan, but they can help make the next few steps clearer.