AL · 24 · Career Transition & Mobility

Separation Package Analyzer

Model the after-tax value of your separation package offer

Tax model: IRS Rev. Proc. 2025-32 (2026) · User-entered state rate
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Package Details
How the package will be paid out affects withholding method
Total payout before taxes
Used for salary continuation withholding annualization
TX/FL: 0% · CA: ~9.3% · NY: ~6.8% · WA: 0% · IL: 4.95%
Used to calculate how many months of runway the package provides
Included in runway burn rate if Monthly Expenses entered. Avg. family COBRA: ~$1,750/mo (KFF 2024).
Shown as comparison in results. Avg. US weekly UI benefit: ~$450 (DOL 2024). Check your state's UI estimator for accuracy.
If you were paid earlier this year, enter wages already subject to SS tax. Reduces SS withholding on the salary continuation package (2026 SS wage base: $184,500). Leave blank to use conservative $0 assumption.
Tax & Take-Home Summary
Tax Model Detail
Component Method / Citation Amount
MCP Manifest