When you know breakup is imminent

How long do you wait to verbalize it? We have a lease for 11 more months, and neither of us are in a financial state to go separately right now. I’m certain, and I think she’s almost there herself. We had a serious talk about a month ago and I told her I was 50/50 on whether I would stay after the lease ran out. Well I’m 100% now. Try to make peace, and tough it out until then? Run off with not enough $ to get a place and also ruin my renter record? What does SW say?