See the exact month quitting pays off — without building a spreadsheet
Burnout, a layoff scare, or a new offer? Enter six numbers, see two converging lines and the break-even month where leaving becomes cumulatively better than staying.
Your net pay after taxes and deductions, per month.
Cash you have right now to bridge the gap.
Rent, food, bills — the minimum you spend each month.
How long until your new job starts paying you?
The net pay of the offer you are considering.
Optional. Only fill if you lose employer coverage.
Optional. A one-time payout if you are laid off.
How the math works (and what it doesn’t do)
What each line adds up
Stay = savings + (salary − expenses) × month. Go = savings + severance − (expenses + benefits gap) × search months + (new salary − expenses − benefits gap) × months after hire.
Break-even month
The first month where Go cumulative cash becomes greater than Stay cumulative cash.
Risk level
Low if Go never falls below 1 month of expenses. Moderate if it dips but recovers before the horizon ends. Tight if it hits zero or below.
What this tool does NOT do
No job-market predictions, no inflation adjustment, no tax modeling, no investment returns, no emotional advice. It only compares two cash paths from numbers you enter.
Re-run it every time your situation changes — new offer, layoff scare, raise, moved expenses.