Money runway

How long will your savings and final pay last, including stand-down and the week in arrears?

Private. Nothing you enter is saved or sent.

Savings and cash available

Final pay and redundancy you expect (after tax)

Weekly essential costs

Rent/mortgage, power, food, transport, insurance, debt repayments.

Weeks of holiday pay / pay in lieu

These delay when Work and Income payments can start.

Stand-down (weeks)

Use the Stand-down calculator if unsure.

1 week2 weeks

Jobseeker Support category (for after-tax maximum)

Covered with

$0.00

Money available$0.00

Weeks until first benefit payment3

Cost of that waiting period$0.00

Simple model. Benefit payments are reduced by income and assets, and other help (Accommodation Supplement, Working for Families, Temporary Additional Support) isn't included.

General information only. Confirm with the agency for your situation. Spotted something out of date? Email help@unemployed.nz.

Read the guide

You've just been told your job is at risk: what to do this week
How to apply for Jobseeker Support after losing your job
Stand-down periods: when your first payment arrives
Help with urgent costs: grants, hardship and bills
Temporary Additional Support, food grants, advances and recoverable assistance
Emergency budget for your first month without a job
You've got a redundancy payment: what to do with the money
Using your savings and investments after job loss: what to draw on first
Bank hardship policies and mortgage help in NZ: what the banks say they offer
A week-by-week job search plan (and how to stay motivated)
Changing careers into in-demand jobs in NZ: what the evidence says
Should you go self-employed after redundancy? An honest checklist
Made redundant on an Accredited Employer Work Visa (AEWV): what happens to your visa?
Stay or leave? Making the decision after job loss on a visa
Public service job cuts in NZ: your rights, redeployment and voluntary redundancy
When your own business fails: liquidation, personal guarantees, IRD debt and what you can claim

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