Free severance runway calculator
How long will your SAP severance last?
A typical SAP layoff package is about 12 weeks of pay at roughly 5 years' tenure (US employee-reported: about 2 weeks of base pay per year of service (more for senior levels) with a ~12-week minimum, plus roughly 6 months of COBRA. Unvested RSUs are reported to be accelerated and paid out in cash rather than 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 SAP pre-fill comes from
The calculator above is seeded with an ILLUSTRATIVE SAP package: US employee-reported: about 2 weeks of base pay per year of service (more for senior levels) with a ~12-week minimum, plus roughly 6 months of COBRA. Unvested RSUs are reported to be accelerated and paid out in cash rather than forfeited. At about 5 years of tenure that works out to roughly 12 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is a sector-typical placeholder, and the severance figures come from public reporting of varying certainty that can go out of date.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.