Calculator inputs
Use one currency consistently for salary, savings, and expenses. Scores run from 0 to 100, where higher usually means stronger conditions unless the label states exposure or pressure.
Example data table
| Input | Example Value | Why It Matters |
|---|---|---|
| Annual Salary | 48,000 | Used to estimate severance value and runway support. |
| Monthly Essential Expenses | 1,600 | Determines how quickly savings are consumed after job loss. |
| Emergency Savings | 6,400 | Directly improves financial survival time during disruption. |
| Role Demand Score | 58 | Lower demand raises market replacement difficulty. |
| Automation Exposure | 66 | Higher automation pressure increases redundancy exposure. |
| Skill Transferability | 62 | Portable skills improve re-employment options. |
| Network Strength | 44 | Weak networks reduce referral-driven recovery speed. |
| Scenario | Base | Lets you compare realistic, better, and worse conditions. |
Formula used
Monthly Uncovered Cost = Monthly Essential Expenses × (1 − Side Income Coverage % ÷ 100)
Runway Months = (Emergency Savings + Severance Months × Monthly Salary) ÷ Monthly Uncovered Cost
Threat Score = 0.20×Automation Exposure + 0.18×Company Instability + 0.14×Role Demand Gap + 0.12×Industry Weakness + 0.10×Criticality Gap + 0.10×Cost Pressure + 0.08×Employment-Type Risk + 0.04×Dependents Pressure + 0.04×Job-Market Weakness
Protection Score = 0.18×Performance + 0.18×Transferability + 0.16×Reskilling Velocity + 0.15×Network Strength + 0.13×Runway Score + 0.08×Side Income Coverage + 0.07×Job-Market Access + 0.05×Role Criticality
Final Risk = clamp(0.72×Threat Score + 0.28×(100 − Protection Score) + Scenario Adjustment, 0, 100)
This model is directional, not predictive certainty. It is designed for comparison, scenario planning, and better career risk conversations.
How to use this calculator
- Enter salary, expenses, savings, and expected severance using one consistent currency.
- Score your role demand, automation exposure, company stability, and industry outlook as honestly as possible.
- Add protective factors such as performance, transferability, network, reskilling speed, and fallback income.
- Choose Base, Optimistic, or Stressed to compare how the same profile behaves under different conditions.
- Review the scorecards, hotspot graph, and priority actions. Then decide what to improve first.
FAQs
1. Is this calculator a prediction tool?
No. It is a weighted planning model, not a certainty engine. It helps compare exposure across scenarios by combining job demand, employer signals, financial runway, and career flexibility into one score.
2. What score range should worry me most?
Scores above 50 deserve active planning. Scores above 75 usually mean you should strengthen savings, update your CV, expand networking, and test the job market sooner rather than later.
3. How should I estimate role demand?
Look at vacancy volume, recruiter outreach, salary consistency, and how often similar roles appear across employers. If opportunities are rare or shrinking, use a lower demand score.
4. Why does automation exposure matter so much?
Redundancy often follows task simplification. When a role relies on repeatable workflows, standard reporting, or routine documentation, automation can compress headcount or redesign job scope faster.
5. Why include savings and severance?
Risk is not only about losing a job. It is also about how well you can absorb the shock, avoid panic decisions, and buy enough time to find a stronger replacement role.
6. What improves re-employment readiness fastest?
Usually three things move quickest: clearer positioning, stronger networking, and one targeted upskilling project. Together, they improve visibility, referrals, and fit for adjacent roles.
7. Should I use Base or Stressed scenario?
Use Base for your current best estimate. Use Stressed when your employer or industry is deteriorating. Use Optimistic to test how much your risk falls if conditions improve.
8. How often should I reassess redundancy risk?
Review it quarterly, or immediately after layoffs, leadership changes, hiring freezes, restructuring, automation shifts, or major personal finance changes that alter your resilience.