2026 Severance Pay Supplemental Withholding & State Unemployment Runway
Lump-sum severance payments and accrued PTO are taxed as supplemental wages, subjecting payouts to a flat 22% federal tax withholding plus FICA. Combined with state unemployment insurance, these funds establish a crucial career transition safety net.
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Scenario Benchmark Data Table
Total 4 scenario records. Click column headers to sort or search below.
Tenure & Severance | Gross Severance + PTO | Net Take-Home Cash | Runway with UI ($4.5k Burn) |
|---|---|---|---|
| 2 Yrs (4 Wks Severance) | $9,230 | $5,940 | 3.9 Months |
| 4 Yrs (8 Wks Severance) | $18,460 | $11,880 | 5.3 Months |
| 7 Yrs (14 Wks Severance) | $32,300 | $20,780 | 7.2 Months |
| 10 Yrs (20 Wks Severance) | $46,150 | $29,700 | 9.2 Months |
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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