Reddit startup idea
Layoff Runway Planner
A web app that turns a user’s real bills into a layoff-ready runway plan: minimum monthly burn, week-by-week cash runway, and prioritized cut/sell/refinance actions. It generates scenario comparisons (keep vs sell vehicle, COBRA vs marketplace plan, unemployment timing) and produces a shareable “financial contingency packet” for partners/family.
- Subreddit: personalfinance
- Industry: Financial Independence & Personal Finance
- Target date: 2026-04-08
- Upvotes: 144
- Comments: 72
Suggested product
Layoff Runway Planner
A web app that turns a user’s real bills into a layoff-ready runway plan: minimum monthly burn, week-by-week cash runway, and prioritized cut/sell/refinance actions. It generates scenario comparisons (keep vs sell vehicle, COBRA vs marketplace plan, unemployment timing) and produces a shareable “financial contingency packet” for partners/family.
Target customer
US households with high fixed expenses facing layoffs or income volatility; buyer is the primary earner (often $100k+ income) who needs a rapid contingency plan.
Problem-solution fit
Users already track expenses, but during job-loss risk they need decision-grade modeling (timing, one-time costs, and tradeoffs) rather than generic category budgets. The product focuses on the specific layoff workflow: cutlist prioritization, cash runway calculation, and benefits/unemployment timing to prevent panic decisions (e.g., wrong car sale timing, underestimating healthcare costs).
Keywords
- job-loss runway
- scenario budgeting
- benefits modeling