The “Should I Quit My Job” Tool
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The “Should I Quit My Job” Tool

Should I Quit My Job? Runway & Risk Score

This tool estimates how many months you can operate with your current cash, how “tight” your worst month could feel, and the minimum side-income level that makes quitting less stressful. It is not financial advice. It is decision clarity.

Outputs: runway + risk Focus: cash buffer Fun: shareable score

Inputs

Fill in realistic numbers. Small errors matter less than unrealistic optimism. If you are unsure, use conservative estimates.

Exclude retirement accounts and money you cannot touch without penalties.
Rent/mortgage, food, utilities, insurance, subscriptions, basics.
Car, student loans, credit cards, anything fixed.
Use what you expect to pay when employer coverage ends.
Equipment, software, legal, branding, initial inventory, etc.
This only affects risk score sensitivity, not your expenses.
Use the last 60–90 days average, not the best month.
If you are unsure, use 0–5%. High growth assumptions increase risk.
Simulates a bad month. Helps you see “cash whiplash.”
Used to estimate a reasonable runway target.

Two quick definitions

Runway is how many months your available cash can cover your net monthly burn.

Risk score is not a prediction. It is a “how exposed are you to one bad month” signal.

Results

These outputs are designed to be screenshot-friendly. If your score is low, the tool will suggest what to fix first.

Estimated runway (months)

Estimate

0.0

Based on your current net burn after side income.

Minimum side income to feel “stable” (USD/month)

Estimate

$0

Targets covering your monthly needs plus a small buffer.

Worst-month cash hit (stress test)

Estimate

$0

Shows how ugly a down month can feel with your current buffer.

Quit Score (0–100)

Score

0

Higher score means less dependence on perfect months.

Share card
Screenshot this section or copy the text summary below.
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0 risky 50 mixed 100 stable
Your next 3 moves (generated) +
    Copied.
    Pro tip: You can make this tool go viral by adding a “Post my score” button that opens a pre-filled tweet or LinkedIn post. This version uses copy-to-clipboard so it works on most sites without extra integrations.

    Behind the score (simple and transparent)

    You can explain this score to a spouse or co-founder in under a minute. It rewards buffer, predictability, and realistic downside planning.

    What improves the score

    Longer runway after subtracting startup costs.

    Lower fixed obligations (especially debt) relative to savings.

    Side income that already covers a meaningful share of monthly needs.

    Resilience to a bad month (stress test doesn’t wreck your buffer).

    Fewer dependents (because risk tolerance is usually lower when more people rely on you).

    Important: This tool does not include taxes, business expenses, or complex scenarios like severance. If you want a stricter version, add an extra “business operating costs per month” field and treat it as part of your burn.