Every big change is really several smaller changes wearing one coat: a redundancy is a money question, an identity question and a rhythm question at once. A move is logistics plus grief plus hope. This hub takes the life transitions nobody gives you a manual for — job loss and the first-month plan, starting a new job, moving city, a new baby, becoming a carer, retirement, the empty nest, going back to study, separation, grief, military to civilian life, prison re-entry, relocating with kids, a single-income household, a parent moving in, losing a role you built your identity on — and gives each one honest tools: a redundancy financial runway planner, a single-income budget reality check, a move budget planner, a transition timeline overlap load check, and a support system builder, plus practical guides with real checklists. Kind, warm, practical and educational only: this hub is not therapy, medical care or legal advice, and it says so plainly — for real situations it points you to the right professional or free service, and if you are in crisis it tells you to call your local emergency number or a crisis line. Free instantly; the full personalised report costs less than a coffee: $2.95.

When the redundancy call lands, the first question is always the same: how long can I actually afford to be without a job? This tool gives you an honest answer in two minutes. Enter your spendable savings, your redundancy or final payout, your essential monthly costs, and any income still coming in — and it works out your monthly gap and your true runway in months. The verdict is where the honesty lives: it tells you plainly whether your cushion is a plan or a countdown, and exactly what to do first this month, from the structural cuts to the support payments people forget to claim. Job loss is a money event, an identity event and a rhythm event at once, and the first month is when the money maths and the emotional maths both get set. This tool covers the money side kindly; the checklist covers the rest of the first month, and the sister work.phyrenix.com hub covers the search itself.
Just been made redundant or lost your job? See how many months your savings, payout and any part-time income will genuinely cover your essential costs — and what to do first this month.
Start with the non-negotiables: rent or mortgage, food, power, transport, insurance, debt minimums — then add the irregular bills (insurance premiums, car costs, subscriptions paid yearly) averaged into a monthly figure. Being honest rather than heroic is the whole point: a runway calculated on optimistic spending is a runway that ends early.
In New Zealand and most countries, redundancy payments are taxed at your marginal rate, so the net figure in your bank account is what belongs in the calculator — not the gross number in the letter. The payout can also affect income support entitlements, so telling the right agency early is part of the honest plan.
Then on the pure maths your runway is open-ended, and the calculator says so — but it also flags the risks the maths cannot see: a job search that drags past six months, irregular bills hiding outside the essentials, and the identity shock of the loss itself. The honest move is to bank the payout, keep the budget real, and treat the first month as the foundation of the search.
Every tool answers instantly from our own knowledge and calculators — no AI wait, no account. Warm, practical and honest answers about the big changes of life: a redundancy financial runway planner for the first month after a job loss, a single-income transition budget reality check, a move budget planner for moving city, a transition timeline overlap load check for seasons when everything changes at once, a support system builder that shows who has your back and where the gaps are, and guides to starting a new job, retirement first 90 days, returning to study as an adult, military to civilian life, the first 12 weeks with a new baby, becoming a carer, the empty nest, long-distance relocation with kids, a parent moving in to be cared for, divorce and breakup logistics, grief after a big change, prison re-entry, and identity after a role change. Each tool states its limits plainly: this is educational information, not therapy, medical advice or legal advice, and when a situation needs a real professional or a free service, the tool says so and points the way. Nothing you type is stored. Results are estimates and learning aids, not advice. Want the deeper, personalised version? Each has a $2.95 full report.