Please read these terms carefully before using LayoffSurvival.com.
Last updated: January 1, 2026LayoffSurvival.com is a free informational tool. It is not a financial advisor, tax advisor, or legal service. All calculations are estimates. Use the results as a starting point for your own research — not as a substitute for professional advice.
By accessing or using LayoffSurvival.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. Your continued use of the Site following any changes to these terms constitutes your acceptance of the revised terms.
LayoffSurvival.com provides a free online calculator designed to help individuals estimate their financial runway after a job loss. The calculator takes user-supplied inputs — including savings, monthly expenses, severance, and state of residence — and returns estimated figures including:
The Site is provided free of charge and requires no registration or account creation.
The Site and all content, tools, and information provided on it are offered on an "as is" and "as available" basis without any warranties of any kind, either express or implied. LayoffSurvival.com makes no warranties that:
Your use of the Site is entirely at your own risk.
Nothing on LayoffSurvival.com constitutes financial, tax, investment, or legal advice. The calculator is an educational tool designed to provide general estimates based on the information you supply. It does not account for your complete financial picture, tax filing status, specific deductions, or individual circumstances.
Before making any financial or legal decisions following a job loss, you should consult with a qualified professional such as a certified financial planner (CFP), licensed tax advisor, or employment attorney.
LayoffSurvival.com makes reasonable efforts to keep the information used in calculations — including state unemployment benefit rules, COBRA cost estimates, and tax figures — current and accurate. However:
Always verify figures directly with your state's unemployment agency, your employer's HR department, and healthcare.gov before making decisions.
To the fullest extent permitted by applicable law, LayoffSurvival.com and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the Site or its content, even if advised of the possibility of such damages.
In no event shall our total liability to you for any claims arising from use of the Site exceed zero dollars ($0), as the Site is provided entirely free of charge.
LayoffSurvival.com displays advertisements through Google AdSense to fund the operation of this free tool. These ads are served by Google and are subject to Google's advertising policies. We do not control the content of third-party advertisements and do not endorse any advertised products or services.
We do not accept paid placements, sponsored content, or affiliate commissions from financial product providers, employers, or job boards. Our calculator results are entirely independent of any advertiser.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. All calculator inputs are processed entirely in your browser and are never transmitted to or stored on our servers.
All content on LayoffSurvival.com — including the calculator logic, text, design, and code — is the property of LayoffSurvival.com and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without express written permission.
You are welcome to share a link to the Site for personal, non-commercial purposes.
We reserve the right to update or modify these Terms of Service at any time. When we do, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the new terms. We encourage you to review this page periodically.
If you have any questions about these Terms of Service, please contact us: