Should I Quit My Job Calculator
Enter savings, monthly expenses, day-job salary, side-hustle income, and growth assumptions to see whether your transition is financially ready or still too fragile.
Built on self-employment research, not hunches
Every threshold StableShift applies — emergency-fund months, client-concentration ratios, revenue-growth floors — traces back to a published source. We don't reinvent the rules; we apply the ones that already exist.
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How the calculation works
- Compute monthly net income from side-hustle revenue minus fixed and variable business expenses.
- Measure runway — total liquid savings divided by essential monthly living expenses (not lifestyle spend).
- Calculate client-concentration risk as the revenue share of the single largest client (the 'one-client-kill' ratio).
- Assess revenue momentum by trailing 3-month growth rate and stability (coefficient of variation).
- Combine into a readiness score 0–100: runway × 0.35 + net income consistency × 0.25 + growth × 0.20 + diversification × 0.20. Below 60 → not yet; 60–79 → near-ready; 80+ → ready.