🚪 Quit-Your-Job Readiness Calculator
Quitting on a feeling is how people end up back in a job they hate 8 months later. Quitting on a number is how people leave once and never go back. This model weighs your living costs, business revenue and growth, savings cushion, and the costs that appear the day the paycheck stops, then gives you a score, a date, and the one revenue number that means go.
Rent or mortgage, food, utilities, transport. Leave out health insurance and debt payments; they get their own lines below.
Compare the last 3 months to the 3 before. 3 to 10 percent monthly is a healthy young business.
Get a real quote for your household; this is the cost people forget.
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Estimates for planning, not financial advice. Your real numbers will vary; that is exactly why you track them.
Does this resonate?
When the date is real, you need a plan for the day after
The score tells you when. The platform tells you what: a week-by-week launch checklist built for your exact business, free to start.
Build your launch plan free →Good questions about this math
How is the readiness score built?
Two things keep a new founder safe: income coverage and cushion. The score weights how much of your true monthly need (living costs + health insurance + debt) your business revenue already covers at 60 points, and your savings cushion (personal emergency fund plus business reserves, measured against a 6 month target) at 40 points. Above 80 is green, 50 to 80 is close, below 50 means keep the paycheck.
Why does health insurance get its own line?
Because it is the single most underestimated cost of self-employment. Employer plans hide 70 to 80 percent of the real premium. When people quit without pricing a real plan for their household, the surprise routinely runs $400 to $1,500 a month and can erase an otherwise safe plan.
What growth rate should I use?
Compare your last 3 months of revenue to the 3 months before, then be slightly pessimistic. Growth that came from one lucky client is not a rate; it is an event. The workbook version lets you rerun the model monthly as real numbers come in.