{"slug":"quit-runway","name":"Quit Runway (Can I Afford to Leave?)","category":"earn","tags":["freelance","planning"],"tagline":"How long your savings last after leaving a job — and whether new income overtakes costs before they run out.","endpoint":"https://xearno.tools/api/v1/tools/quit-runway","page":"https://xearno.tools/t/quit-runway","description":"The personal version of a startup runway: savings, a quit-mode budget, the costs your employer was quietly covering (health insurance above all), and the income you’d be growing instead. Answers the two questions that matter: how many months you have, and whether the new income crosses your costs before month zero.","inputSchema":{"type":"object","properties":{"savings":{"description":"Savings you can spend Liquid only — not retirement accounts you’d pay penalties to touch.","type":"number","minimum":0,"default":30000},"essentials":{"description":"Essential monthly spending The quit-mode budget, not your current lifestyle.","type":"number","minimum":1,"default":3000},"extraCosts":{"description":"New costs after quitting What the job was covering: health insurance (US COBRA/marketplace often $400–800/person), phone, equipment.","type":"number","minimum":0,"default":500},"sideIncome":{"description":"Monthly income that continues Freelance, side project, partner contribution to your share — income that survives the quit.","type":"number","minimum":0,"default":500},"growthPct":{"description":"That income’s growth / month (%) How fast the new thing is growing, from evidence so far. 0 = flat.","type":"number","minimum":0,"maximum":50,"default":5}},"required":[],"additionalProperties":false},"methodology":["Month-by-month simulation: in month m, income = current side income × (1+g)^(m−1); the deficit against monthly need (essentials + new costs) draws down savings, with a linear fraction for the final month. If income reaches the monthly need before savings hit zero, the plan is self-sustaining and runway is reported as such rather than as a number.","The half-growth check reruns the simulation at g/2 — a deliberate pessimism test, because self-reported growth rates for young income streams are usually extrapolated from their best months.","The \"new costs\" field exists because employer-covered costs are the most-missed factor in quit math — US health insurance (COBRA or marketplace) is commonly $400–800/month per person.","Simulation caps at 120 months. This models your personal finances, not a startup’s: no fundraising, no burn scaling — for that, use the Runway & Burn tool."],"usage":"POST https://xearno.tools/api/v1/tools/quit-runway with a JSON body matching inputSchema."}