{"product_id":"leaving-work-runway-rate-spreadsheet","title":"Leaving Work","description":"\u003cp\u003e\u003cstrong\u003eTwo numbers decide whether you can do this.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eHow long your savings actually last with no income, and what you genuinely need to charge once the employer stops paying for your pension, your holiday, your sick days, your laptop and your insurance. Most people guess both, and guess low.\u003c\/p\u003e\u003ch3\u003eEight tabs, all formulas live\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eRunway\u003c\/strong\u003e — months of cover with no income at all, the date your savings run out, and what you would need to reach six months.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCountdown\u003c\/strong\u003e — 24 tasks from day −60 to +90, dated from your last day. The ones before you leave are the ones people miss: references, unvested shares, appointments still covered.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHidden costs\u003c\/strong\u003e — 13 things your employer was quietly paying for, totalled per year and per billable day.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRate you need\u003c\/strong\u003e — works backwards from the income you want, through tax and those hidden costs, divided by the days you can realistically bill. Then compares it to the rate you had in mind.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCountry notes\u003c\/strong\u003e — 15 questions for your national authority or accountant.\u003c\/li\u003e\n\u003cli\u003ePlus Setup, Start here and Licence.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWhy the rate tab matters\u003c\/h3\u003e\u003cp\u003eMost people set a rate by looking at what other people charge. This sets it from what you actually need — and the number is usually higher, because employment was subsidising you in ways that never appeared on a payslip.\u003c\/p\u003e\u003ch3\u003eEuropean by default\u003c\/h3\u003e\u003cp\u003eNo country’s notice periods, contribution rates, benefit rules or registration deadlines are hard-coded. They differ everywhere and change most years, so you enter yours once from official sources. That is also why this never goes out of date.\u003c\/p\u003e\u003ch3\u003eWhat you need\u003c\/h3\u003e\u003cp\u003eExcel, Google Sheets, LibreOffice or Numbers.\u003c\/p\u003e\u003ch3\u003eDelivery\u003c\/h3\u003e\u003cp\u003eAn .xlsx file, emailed the moment payment clears. Yours permanently.\u003c\/p\u003e\u003ch3\u003eNot advice\u003c\/h3\u003e\u003cp\u003eA planning tool, not tax, employment, benefits or financial advice.\u003c\/p\u003e","brand":"Threshold","offers":[{"title":"Default Title","offer_id":57183648284998,"sku":"TH-WORK-01","price":29.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1018\/2380\/7814\/files\/d-lw-mock.png?v=1787515590","url":"https:\/\/thresholdsofficial.com\/products\/leaving-work-runway-rate-spreadsheet","provider":"Threshold","version":"1.0","type":"link"}