Free unemployment budget planner

Unemployment Budget Calculator & Financial Runway Tracker

Estimate how long your available money may last after a job loss. Add checking, savings and other spendable funds, then enter rent, utilities, food, debt payments, unemployment benefits, severance and side income.

Financial Horizon simulates your cash flow day by day so bills and expected income land on their actual dates instead of being reduced to a simple monthly average. Your budget records stay in this browser: there is no account, bank connection, advertising, or remote financial database.

Enter the money you can useChecking, savings, cash and any funds you choose to include.

Add expenses and due datesHousing, utilities, food, transport, insurance, debt and irregular costs.

Add income and unemployment benefitsTrack confirmed income separately from possible income so uncertain money does not artificially extend your runway.

What the calculator shows

Financial runway

See an estimated depletion date and how many days, weeks or months your available funds may last.

Unemployment cash-flow forecast

Model benefits, severance, side work, scheduled bills and one-time costs on their expected dates.

Budget scenarios

Compare normal, reduced and emergency spending plans and test how changes affect your runway.