Even when the paycheck stops, the bills keep coming.
If your pay stopped today, how long could you hold out?
Your numbers are never sent or stored
Where I stand now
Add the jobs you might move to. This scenario assumes each pays until its estimated AI replacement date.
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Money left over time
Could a job that lasts longer against AI buy you more time?
These jobs have later estimated AI replacement dates. Tap one to add it. The extra time assumes your current take-home pay continues until that job’s estimated date.
Find your top 3 career matchesThere are still things you can change.
Change what happens after pay stops and compare the time you gain.
Spend less each month and see how much longer you could last.
Net income that continues from the moment pay stops.
If I get paid again
Set when you expect to be re-employed and what you would take home.
If returns and prices change
Assets grow at the return rate; spending and pay rise with prices.
This does not predict your future. It measures the time you have to prepare.
The result is a simple cash-flow simulation of the conditions you entered. It does not predict when you will lose your job, go broke, or be replaced by AI, and it is not financial advice.
What counts as assets?
Cash and bank deposits you could actually spend on living costs. Property you cannot sell right away, security deposits with uncertain return dates, and pensions are left out. Loan payments, insurance premiums and other regular outflows belong in monthly spending.
What is left out of the calculation?
Tax estimates, changes in loan interest, one-off costs, severance and unemployment benefits are not applied automatically. The asset return and inflation are the rates you pick, and spending, take-home pay and side income are assumed to rise with prices. A month is 30.44 days on average and results are rounded.
Is my information stored or shared?
Amounts are computed in this page’s memory only, never sent to a server, and reset on reload. Usage statistics contain no amounts. Share links, images and text leave out assets, income and spending and carry only the runway (and the job, if you choose).
This is how it is calculated.
This is not a model that guesses when AI will take a job. It counts how long your money lasts from the income-stop date you chose.
runway = starting money ÷ monthly shortfall
If income stops in the future
Starting money = available assets today + (monthly take-home − monthly spending) × months until pay stops. If your money runs out before then, that is shown separately. “Annual take-home” is divided by 12. Choosing the AI replacement date uses the months from today until that date.
Spending cuts, side income, re-employment
Cuts and side income apply from the moment pay stops. Net spending before and after re-employment is computed separately. Side income is assumed to continue after re-employment. If money runs out before re-employment, the later salary does not push the depletion point back.
If income exceeds spending
If your money lasts until then and net spending is zero or below afterwards, the result reads “money does not run out under these conditions”. That does not mean you are safe for life.
Not included
Tax estimates, severance, unemployment benefits, new debt and one-off costs are not included. Interest and loan payments must be part of monthly spending. The return and inflation are the assumptions set above. A month is 365.2425 ÷ 12 days.
Returns and inflation
Assets grow every month at the real rate ((1+return) ÷ (1+inflation))^(1/12) − 1. Spending, pay, side income and re-employment pay are held in today’s money because they rise with prices. Set the return equal to inflation and the result matches a calculation that ignores both. When the return on the assets alone covers the spending, the money is shown as never running out.
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