Get a specific dollar amount — not a vague "6 months of expenses." Your number depends on your income, spending, side hustle, and risk tolerance. Calculate it now.
CalculateAll fields are private — nothing is stored or sent anywhere.
Here's exactly what you'll have when you make the leap.
| Month | Savings | Side Income | Monthly +/- | Status |
|---|
You've got the number. Now get the roadmap. A detailed, personalized plan to go from "I want to quit" to actually doing it — with confidence.
$14 · Instant download · PDF
Everyone has a different number. The generic advice of "save 6 months of expenses" ignores the most important variable: whether you have income waiting on the other side. Someone with a growing side business needs far less savings than someone quitting into the unknown.
Your quit number is: (Monthly expenses × Safety months) — but only if your side income is zero. If you have any side income, the math changes dramatically. The calculator above runs a 36-month simulation that accounts for your growing income, your savings buffer, and the exact month where both conditions are met: your income covers expenses AND you have your desired safety net.
Financial advisors often recommend 12 months of expenses before any career change. But that advice assumes you'll have zero income after quitting. If you're building a freelance practice, an online business, or have any income source, that number drops significantly. Someone with $2,000/month in side income and $4,000/month in expenses only needs to save enough to cover the $2,000 gap during the transition — not the full $48,000 a year.
When calculating your number, factor in both sides. Costs you'll gain: health insurance ($400-700/month for marketplace plans), self-employment tax (15.3% on business income), home office setup. Costs you'll lose: commuting ($200-600/month), work lunches ($150-300/month), professional wardrobe, childcare (if you gain flexibility). For many people, the savings offset the new costs — sometimes completely.