Losing a job is a logistics problem before it's anything else. Work out how many months you're covered, adjusted to your city, and plan from facts, not fear.
01 · Your numbers
02 · Your runway
Your runway3.1 months
runs to about early Jan 2027
Bar shows progress toward your 6-month goal.
Going out each month$3,250
What you have$10,000
6 months' costs$19,500
Haven't applied for EI yet? Regular benefits are typically 55% of your average insurable weekly earnings, up to $729/week (2026 cap, roughly $3,160/month). Apply in week one; it takes weeks to arrive, and it counts as “monthly income” above once it does.
Funds month over month
You're $9,500 short of a 6-month runway. Levers, in order of speed: trim monthly spending, confirm every income support you're entitled to (EI in Canada / state unemployment in the US: apply immediately, it takes weeks), treat severance negotiation as unfinished until signed, and if the city itself is the cost, run the relocate scenario.
Sharing sends the tool, never your numbers; the plan prints from your own device, and everything you type stays in this browser, saved here for your next visit. City estimates from public rent reports and cost-of-living data (refreshed September 2026); edit any number to fit your life. This is planning arithmetic, not financial advice.
03 · The levers
What could change it
3.1months as typed→3.1pull a lever below
04 · The landing mathIf the next role pays less
The other question every search carries: take the lower number, or keep looking. Two costs, weighed in your own figures.
Take it now$1,250/mo
the pay you give up, every month you're in the role, for as long as it stays your number
vs
Hold out 3 more months$9,750
taken from what you have, at your current pace, while the search runs
Past about 7.8 months in the role, the cut has cost more than the longer search would have, and the gap keeps widening.
Salary compounds through raises and the next negotiation; a shorter search protects what you have. Which way that cuts is yours to weigh: this is arithmetic, not advice.
That number is step one. Step two is where you land.
Your runway says how long the search can take. ALO ARK is being built so it takes less: a talent network where profiles run on evidence instead of claims, joining is free, and money never buys visibility. The founding registers are filling now.
Separate from the calculator: your numbers stay here, in your browser.
ALO ARK · RUNWAY PLAN
3.1 months of runway, to about early Jan 2027
Calgary, AB · prepared 2026-10-23
Going out each month
$3,250
What you have
$10,000
6-month goal costs
$19,500
Short of the goal
$9,500
You're $9,500 short of a 6-month runway. Levers, in order of speed: trim monthly spending, confirm every income support you're entitled to (EI in Canada / state unemployment in the US: apply immediately, it takes weeks), treat severance negotiation as unfinished until signed, and if the city itself is the cost, run the relocate scenario.
Generated in your browser at aloark.com/calculator; your numbers never left this device. Planning arithmetic, not financial advice.