Free Financial Calculator

Find the exact date you can quit your job.

Most calculators lie. This one accounts for COBRA ($812/mo average), self-employment tax, and your actual monthly burn rate. No email required.

Calculate my quit date →

Data sources

Bureau of Labor Statistics Kaiser Family Foundation Federal Reserve IRS Publication 505 3.2M quit monthly

Your quit date calculator

Enter your monthly expenses and savings. All calculations happen 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
Subscriptions, personal care, fun
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
Cash + liquid investments only
Freelance, rental, other (optional)
Optional — shows your savings rate
Optional — for Medicare bridge & ACA estimate
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
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Engaging Data
Interactive Monte Carlo for portfolio longevity.
healthcare.gov
Check your actual ACA subsidy eligibility.

Why this calculator is different

Built on real numbers, not wishful thinking.

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COBRA included

The #1 expense people forget. At $812/month average, it can cut your runway by months. We include it by default.

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Exact quit date

Not "6 months of savings." An actual calendar month. Put it in your phone. Make it real.

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Zero data collected

All math runs in your browser. Nothing leaves your device. No account, no email, no tracking of financial inputs.

From the blog

Understand the math behind your decision.

20 articles with verified data from BLS, KFF, and the Federal Reserve. No fluff, no lead gen.

Read the blog →