Current runway
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Exit Strategy Calculator
Can you afford to quit your job?
Skip the myths. Get your minimum, recommended and safe escape fund, a 0–100 readiness score, and your escape date — modeling your exit type, healthcare, debt, dependents and side income across 50 cities. Free, private, no signup.
Your situation
Honest numbers in, a real plan out. Nothing leaves your browser.
Your exit readiness
Calculating…
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Gap to recommended
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Your escape date
Calculating…
Why three numbers, not one
The honest version of "how much should I save?"
Most calculators hand you a single magic figure (usually "6 months of expenses"). Real exits don't work that way — quitting to job-hunt in a cold market is nothing like quitting to freelance, and both ignore the cost that actually sinks people: health insurance. So you get a band:
Minimum Viable Escape
The leanest defensible number — aggressive cuts, some side income, the shortest realistic buffer. It's the answer to "what's the least I could leave on?" It carries real risk.
Recommended
The target we'd actually aim for given your exit type, seniority, market, healthcare and dependents. The sensible default.
Safe
Extra cushion for a cold job market, a slow freelance ramp, or life going sideways. Peace-of-mind money.
Go deeper
The whole exit toolkit
This calculator is the front door. When you're ready, the rest of the platform takes you from number to plan to done.
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16 calculators
Coast FIRE, F-You money, severance, the COBRA-vs-ACA healthcare gap, geoarbitrage, the W2→1099 tax shock and more.
Open the tools → 🗺️Transition planner
Turn your numbers into a phased, personal checklist — build runway, de-risk, exit, survive the first 90 days.
Make my plan → 📖The playbook
Plain-English guides: the 6-month myth, quitting to freelance, health insurance after you quit, negotiating severance.
Read the guides → 🤝Find real help
Fee-only planners, career coaches, and location-aware safety nets and crisis support. Some things shouldn't be DIY.
Get support → 💬Community
You're not the only one. Anonymous, open spaces where people share what leaving actually looked like.
Join in → 📡Live feed
The smartest writing on money, work and escape — aggregated from the best FIRE and career voices.
See the feed →Frequently asked questions
How much should I save before quitting my job?
There's no single number. It depends on your exit type (job-hunting vs freelancing vs a sabbatical), your survival cost at your destination, healthcare, debt, dependents and side income. This tool gives you three honest numbers — a minimum viable, a recommended and a safe figure — instead of one misleading one.
What's the minimum I could leave on?
The Minimum Viable Escape: the leanest defensible number — aggressive cost-cutting, some side/partner income and the shortest realistic buffer (3–4 months). It's real, but risky, so we always show it next to a safer target.
Does it include health insurance?
Yes — losing employer coverage is the cost that quietly wrecks runways, especially in the US. We estimate a monthly premium for COBRA, an ACA plan, a spouse's plan or none, and fold it into your burn. Dig deeper with the healthcare gap calculator.
Is it free and private?
Completely free, no signup, no email. Everything runs in your browser — no numbers are sent anywhere.
AMAADOR Personal Strategy is financial education, not financial advice. Estimates are for planning and use rounded
2026 cost-of-living and insurance figures. For decisions, talk to a fee-only professional.
Content reviewed: June 2026 · About the creator