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Furlough Income Calculator

Advanced financial modeling tool for furlough scenarios. Features 50-state unemployment database, progressive tax logic, partial benefit eligibility checks, and budget survival timeline.

User Rating 0.0 ★★★★★
Total Usage 5 times
Category Salary & HR
Furlough Strategy Engine
Max Benefit: --/wk
Max Duration: -- wks
1. Income & Tax Profile
$
2. Furlough Scenario
20%
Working 80% · Lost 20%
3. Monthly Survival Budget Essential expenses only
$
Monthly Runway -- Months
Enter data to calculate survival timeline.

Projected Monthly Net Income

$4k$2k$0
Pre-Furlough $0
Projected $0
Reduced Salary UI Benefit Expenses
Reduced Gross Pay $0
Est. Taxes (Fed + FICA) -$0
Est. UI Benefit Eligible +$0
Net Monthly Income $0
Total Expenses $0
Monthly Surplus/Gap $0
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About

When facing a furlough or a reduction in hours, the most critical financial question is not just "How much will I lose?" but "Will I still qualify for state aid?" Many employees are unaware of the Partial Benefit Cliff: if your reduced part-time wages exceed your state's Weekly Benefit Amount (WBA), you may receive 0 in government support, effectively working for a fraction of your previous rate with no supplement.

This Strategic Furlough Engine goes beyond simple subtraction. It integrates a database of 50-State Unemployment Caps and 2024 Federal Tax Brackets to model three concurrent timelines: your Reduced Net Pay, your potential Partial Unemployment Benefits (factoring in income offsets), and your Savings Depletion Date. It is designed to help you negotiate: sometimes, a full furlough is financially safer than a 50% hours reduction due to benefit eligibility rules.

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Formulas

The core logic determines the Partial Unemployment Benefit (Bpart). Most states apply an "offset" where benefits are reduced dollar-for-dollar by earnings, often after a small disregard allowance (D).

Bpart = max(0, WBA − max(0, Wgross − D))

Where WBA is your calculated Weekly Benefit Amount (capped by state law), and Wgross is your gross weekly income from reduced hours.

Taxable Net Income is calculated using progressive brackets (ftax) on the annualized basis of the new blended income:

Inet = Igross − (ftax(Igross) + FICA)

Reference Data

StateMax Weekly Benefit (Est. 2024/25)Max Duration (Weeks)Est. Max Monthly Benefit (4.33 wks)
Massachusetts$1,03330$4,476
Washington$1,01926$4,415
New Jersey$85426$3,700
California$45026$1,950
New York$50426$2,184
Texas$57726$2,500
Florida$27512$1,191
Arizona$32026$1,386
Alabama$27514$1,191
National Avg$~44026$1,900

Frequently Asked Questions

This occurs when your earnings from reduced hours are too high to qualify for unemployment benefits. For example, if your state's maximum weekly benefit is $450, and you earn $500 working part-time, you may receive $0 in benefits. In this scenario, working 50% hours might yield less total income than being fully furloughed.
Yes, implicitly. Most states require a one-week unpaid waiting period before benefits begin. This tool calculates monthly run-rates assuming benefits are active, but you should have enough savings to cover at least the first 14-21 days of delay in processing.
Unemployment benefits are generally subject to Federal income tax but are exempt from Social Security and Medicare (FICA) taxes. Some states also exempt benefits from state income tax. This tool separates these income streams to provide a more accurate "Net Pay" estimation.
The database uses 2024/2025 estimates based on available legislative data. However, state laws change frequently during economic crises (e.g., extended benefits, federal top-ups). Always verify with your specific State Workforce Agency.
A zero runway means your current monthly expenses exceed your total liquid savings and income immediately. This indicates a "Cash Flow Insolvency" risk. You should prioritize cutting the "Flexible Expenses" highlighted in the tool or contacting creditors for forbearance immediately.