Tools/Runway
Can I quit?
Living costs, savings, and MRR. How many months until the job can go.
The call
Close.
One more raise, or a few more customers, and the job is optional.
Covered
53%
Life costs
$3,200
You take home
$1,680
- You take home
- $1,680
- MRR to cover life
- $4,571
- Months of runway
- 11.8
- Gap this month
- $1,520
Runway
11.8 months
Savings drawn down by the monthly gap until MRR covers life on its own.
There is no magic MRR
The job can go when the product covers the month and savings cover a bad quarter. Take-home is MRR × the percent you keep. Runway is savings ÷ the monthly gap.
Worked example: life costs $3,200. You keep 70% of MRR. You need about $4,571 MRR just to cover the month. If you are at $2,400 MRR, you take home $1,680. The gap is $1,520. $18,000 in savings is about 12 months of that gap — close, not done.
FAQ
Questions people get stuck on
Is there a magic number like $10k MRR?
No. The number is personal. Cover the month from the product, keep a buffer, and do not quit on a single good invoice.
What should I put in “you keep %”?
After payment fees, tax, and the software you need to run the product. 70 is a rough solo default. If you do not know, lower it.
Should I count the company’s cash as savings?
No. Savings are money you can live on if the product has a dead month. Company cash pays the product.
What if MRR already covers life?
You still want a few months of savings. One cancelled annual plan should not send you back to applications.