The first 72 hours handle the emergency — unemployment filing, severance review, the COBRA window. The next 30 days are where most people lose the runway. This is the longer stabilization track: weekly check-ins, burn-rate recalibration, and the small financial moves that hold the line.
No credit card. No account. 48-hour money-back guarantee on the $99 30-day plan.
The first three days are about deadlines you cannot miss: the unemployment waiting-week clock, the 60-day COBRA election, the severance review window. One missed day on these costs you hundreds. The 72-hour plan is built around your bills, your state, your severance date — and the calls you have to make now.
Once the emergency clocks have been addressed, the next 30 days are about keeping the line: weekly cash-runway review, monthly burn-rate recalibration, the severance-to-unemployment income swap, and the moves that buy you the next month without panic. The 30-day plan is the second half of the runway you already started building.
Type three numbers. The page computes your runway inline — nothing is submitted, nothing is stored.
Most people operate on anxiety after a layoff instead of on data. A real runway number — months of expenses covered by cash on hand, after unemployment — tells you when to accept an offer, when to negotiate, when to cut. You can't make those calls without it.
Monthly runway ≈ (savings on hand) / (monthly essential expenses − unemployment income). We multiply your weekly unemployment by 4.33 to convert it to a monthly equivalent. If unemployment covers your burn, you're cash-positive and the runway stretches beyond 30 days.
Local-only calculation. Nothing is transmitted or stored. Use this as a sanity check before you start the triage — the 72-hour plan sharpens it against your actual bills and severance timeline.
The free triage handles the emergency. The $99 30-day plan walks you through the next four weeks with weekly check-ins, concrete moves, and a recalibrated runway at the end.
No spam. We'll email you once when the 30-day track opens.
A weekly 15-minute review (every Sunday) — cash on hand, expected inflow, expected outflow, days remaining. Single number, recomputed each week.
The first month of expenses is rarely the steady-state. We walk through what to keep, what to cut, and which subscriptions still earn their seat under unemployment income.
Severance ends. Unemployment begins. The transition is rarely clean — backdating rules, waiting-week traps, and the month where both run out. We map the seams.
Whether to stop 401k contributions, take a CAR-style distribution, or pull from a Roth. Each path has a tax consequence you need to see before you act.
COBRA is 18 months. The 30-day window is when you set up the handoff — ACA subsidies, spouse plan, or marketplace — before COBRA's retroactive election window closes.
Interview travel, wardrobe, certifications, recruiter fees. Categorized as deductible or out-of-pocket — and which ones you should defer until you've accepted an offer.
No credit card to start. 48-hour money-back guarantee on the paid plan.
The 30-day plan is what the $99 unlock actually delivers beyond the triage.
The free triage is the 72-hour emergency response: unemployment filing, severance review, COBRA election, bill prioritization — the deadlines you cannot miss. The 30-day plan is the second half of the runway that runs after that triage: a weekly check-in cadence, a burn-rate recalibration step, and the six stabilization tracks (severance-vs-unemployment swap, 401k/ROTH/HSA review, COBRA handoff, job-search expense budgeting). Different problem. Different horizon. Same playbook.
Because the 72-hour list goes stale the moment your severance ends. The bills are still there, the unemployment income is different, and the math you did on day one no longer holds on day fourteen. The 30-day plan walks you through the weeks where things actually break — waiting-week traps on UE, the first COBRA premium, subscription creep, and the moment creditors expect you to confirm your hardship concession is still in effect.
No. It's the same $99 unlock — same price, same 48-hour money-back guarantee, same payment link. The 30-day plan is part of the Full Plan deliverable that arrives after you pay. You don't pay twice for the 72-hour triage and the 30-day plan; you pay once and get both.
You receive the Full Plan email within minutes — covering both the 72-hour timeline and the 30-day stabilization tracks, built around your actual bills, severance date, and state. You also keep access to the 30-day recap email that lands at day 14 and the day-30 recalibration reminder. If the plan doesn't pay for itself in the first 48 hours, email us at support@runway72.polsia.app and we'll refund you in full.
The triage is free. The 30-day plan is what $99 unlocks. Same payment, same guarantee.
Free to start. $99 for both the triage and the 30-day plan.