When Can You Quit Your Job? The Runway Math

"When can I go full-time?" is the question every side-business owner asks. The answer is not "when the business replaces my whole salary." It is a balance of two things: your runway (savings you can live on) and your business's momentum (profit and how fast it is growing).

The two numbers that decide it

1. Runway: your savings divided by your monthly expenses, how many months you could live with no income.
2. Coverage gap: the difference between your monthly expenses and your current business profit, what your savings must bridge each month until the business catches up.

If your business is growing, it will eventually cover your expenses on its own. The question is how soon, and whether your runway can carry you until then.

The earliest safe quit date

You can often leave before the business fully covers you: using savings to bridge the shrinking gap while profit climbs. The earliest safe date is when your runway is long enough to last until the business crosses your expenses, with a cushion left over.

The biggest lever

It is not cutting expenses (though that helps); it is your growth rate. Every extra point of monthly profit growth pulls your quit date dramatically closer, because it shrinks both the gap and the time to cover it.

Find your date

Plug in your expenses, savings, current profit, and growth rate into the free When Can You Quit? calculator. It shows the earliest month you could safely leave and when the business fully replaces your income.

Before you leap

Have an emergency fund separate from your runway, secure health coverage, and ideally land a few committed customers first. Then the leap is a calculated step, not a gamble.