Free severance runway calculator
How long will your Morgan Stanley severance last?
A typical Morgan Stanley layoff package is about 10 weeks of pay at roughly 5 years' tenure (Morgan Stanley confirms a broad-based Severance Pay Plan in its SEC proxy but does not publish the per-year rate. Employee reports most commonly describe about 2 weeks of base pay per year of service (about 10 weeks at 5 years; some report 3 weeks/year), plus a few months of employer-paid COBRA. Treat as an illustration — unvested RSUs are typically forfeited.). How long that severance lasts is that pay plus your savings, divided by your monthly expenses. Figures below are illustrative — enter your own numbers for your runway.
Add your monthly expenses to see your run-out date.
Survivability score
Solid runway
Example: $18k severance + $8k savings, $6k/mo expenses. Enter your own numbers on the left to see yours.
Runway (conservative – baseline)
3.4 months – 4.3 months
Net monthly burn
$6,000/mo
Enter your numbers to see your runway — free.
Your months of runway, run-out date, and survivability score — instantly, in your browser, no account. When you're ready to act on the number, the Severance Action Plan ($99.00, one-time) tells you what to do about it:
- A read of your agreement — including your 40+ waiver.
- Where your offer actually stands.
- The number to ask for.
Earns its $99.00 or a full refund within 7 days — keep your results either way.
Built on public BLS job-tenure, DOL / state unemployment, and IRS supplemental-wage data. Educational planning tool — not financial advice.
Where the Morgan Stanley pre-fill comes from
The calculator above is seeded with an ILLUSTRATIVE Morgan Stanley package: Morgan Stanley confirms a broad-based Severance Pay Plan in its SEC proxy but does not publish the per-year rate. Employee reports most commonly describe about 2 weeks of base pay per year of service (about 10 weeks at 5 years; some report 3 weeks/year), plus a few months of employer-paid COBRA. Treat as an illustration — unvested RSUs are typically forfeited. At about 5 years of tenure that works out to roughly 10 weeks of pay, which is what we pre-fill. The base salary shown is a sector-typical placeholder, and the severance figures come from public reporting of varying certainty that can go out of date. None of these are your actual numbers, an offer, or a benchmark of fairness — overwrite every field with your own figures for a runway that reflects your situation.
Methodology shared in full on the main runway calculator. All math is deterministic and runs in your browser — nothing you type is sent anywhere unless you choose to get the full plan.
This is an educational benchmark, not legal advice. Using it does not create an attorney-client relationship. For advice about your specific situation, consult a licensed employment attorney in your state.
Severance figures on this page are illustrative planning estimates only, not an offer, a benchmark, or tax, legal, or financial advice, and using this tool creates no adviser or attorney-client relationship. Confirm your actual package and tax treatment with a licensed professional.