🇺🇸 Government Shutdown Pay Calculator

Calculate your financial runway during the federal government shutdown. Know exactly how long you can survive and when to take action.

⚠️ DHS Shutdown Active - March 2026
📰 Read: DHS Shutdown Day 41 — Trump Orders TSA Pay as 500 Officers Quit → | 🛡️ Build your emergency fund →

📊 Your Financial Situation

$
$

Rent, utilities, food, insurance, minimum debt payments

$
$

🚨 Emergency Status

47
Days Until Savings Depleted
Break Glass Date: May 14, 2026

💰 Financial Metrics

$738
Weekly Burn Rate
-$3,200
Monthly Deficit

🎯 Suggested Emergency Budget

Reduced Monthly Spending: $2,400
Extended Runway: 62 days
25% reduction in discretionary spending

📉 Savings Timeline

🥧 Emergency Budget Breakdown

💡 Survival Tips for Federal Employees

📋

File for Unemployment

Apply immediately - you may qualify even if you expect back pay.

📞

Contact Creditors

Call mortgage, credit card, and loan companies about forbearance programs.

🛒

Cut Discretionary Spending

Cancel subscriptions, cook at home, postpone non-essential purchases.

💼

Consider Temp Work

Furloughed employees can usually take temporary employment.

🏦

Emergency Assistance

Look into federal employee emergency funds and local assistance programs.

📊

Track Everything

Document all shutdown-related expenses for potential tax deductions.

❓ Frequently Asked Questions

Can federal employees collect unemployment during a government shutdown?

Yes, federal employees can typically file for unemployment benefits during a government shutdown, though they may need to pay it back if they receive retroactive pay.

Will I get paid retroactively after the shutdown ends?

Essential employees who work during the shutdown will receive retroactive pay. Furloughed employees typically receive back pay as well, though this requires Congressional authorization.

Should I contact my creditors during a shutdown?

Yes, contact creditors early to explain your situation. Many offer forbearance programs or payment deferrals for federal employees during shutdowns.

Can I take a temporary job during a furlough?

Generally yes, furloughed federal employees can seek temporary employment, but check with your agency's ethics office for any restrictions.

What expenses should I cut first during a shutdown?

Prioritize essential expenses like housing, utilities, food, and insurance. Cut discretionary spending like dining out, entertainment, and non-essential subscriptions first.