Free Financial Calculator

A FREE quit my job calculator. The real question is, can you afford it...

Information that other sites miss — accounts for COBRA, self-employment tax, and your actual monthly burn rate.

Can I afford to quit? ↓

What quitting actually costs?

0 Americans quit their job every month BLS JOLTS 2024 ↗
$812 Average COBRA monthly cost after leaving KFF 2025 ↗
$20,500 Median liquid savings, Americans under 35 Fed Reserve 2022 SCF ↗

The calculator

Should I quit?

Enter your monthly expenses and savings. Everything runs in your browser. Nothing is stored or sent anywhere.

Monthly expenses
Rent or mortgage + utilities
Groceries + dining out
Car, gas, insurance, transit
Student loans, credit cards
No judgment. It adds up.
Subscriptions, personal care, the chaos
Include COBRA health insurance
$812/month. The average cost after leaving an employer plan (KFF 2025).
Spending adjustment
No adjustment
−30% +30%
Test "what if I cut spending 10%?" or "what if costs rise?"
Your cushion
Used to estimate typical savings for your age group.
Cash + liquid investments only. Median for under 35: $20,500 (Fed Reserve).
Freelance, rental, other (optional)
Optional. Shows your savings rate.
Apply 4% real return to savings
Assumes conservative investment of your cushion (extends runway)
Your earliest quit date
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Monthly burn rate
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Months of runway
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Safety score
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Total monthly expenses
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COBRA added
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Side income offset
Balance over time
Toggle "4% real return" above to see investment growth
Go deeper with these free tools
FIRECalc
115 years of market history. Test your plan against every scenario.
Engaging Data
Interactive Monte Carlo for portfolio longevity.
healthcare.gov
Check your actual ACA subsidy eligibility.
From the blog

The stuff nobody explains.

Real numbers from BLS, Kaiser, and the Fed. Short reads. No fluff. No bullshit.

View all articles →

Data sources

Bureau of Labor Statistics Kaiser Family Foundation Federal Reserve IRS Publication 505