Phase 3 · Ready

The Transition Runway Calculator

The financial question is the most common place people stop, usually because they have never actually looked at the numbers. Four numbers turn it from a source of dread into a solvable problem with a date on it.

4 inputs 2 minutes Nothing is stored

The actual numbers are frequently less frightening than the imagined ones. And when they are not, a specific gap with a timeline is still easier to work with than an unexamined fear.

Four numbers

Estimates are fine. Precision matters less than actually looking.

Step 1

Every non-negotiable monthly expense. Housing, food, insurance, utilities, debt service, childcare, transport. The floor you could actually live at, which may be lower than what you spend now.

$ / month
Enter a monthly burn rate above zero.
Step 2

Money you could actually reach without penalty. Cash, savings, taxable brokerage. Exclude retirement accounts you would be penalized for touching, and exclude home equity.

$
Enter an amount of zero or more.
Step 3

What actually lands in savings in a normal month, after everything. If the honest answer is nothing, enter zero. That is a real and useful result.

$ / month
Enter an amount of zero or more.
Step 4

The number at which you could make the move without fear running the decision, which is usually more than the bare minimum. If you have no number in mind, 12 to 24 months is a reasonable range to test.

months
Enter a number of months between 1 and 120.
Your transition window

The six steps, with your numbers
Step 6: the acceleration plan

This calculator is a planning framework, not financial advice. pfleaux is not a financial advisor, and this tool does not account for taxes, investment returns, inflation, healthcare costs, severance, or changes in income. It is arithmetic on four numbers you supplied, intended to make the question concrete enough to take to someone qualified.