My nails (finger and toes) are seemingly peeling, layer by layer... im worried that eventualy i will run out of layers, is this natural / what do i do?

Autoimmune: Consider have autoimmune disease ruled out. Fungus like athlete's foot could be the cause. Can see in hands too. Depends on your profession and other risk factors what is most likely in this setting.

See a dermatologist: No, skin does not have layers like an onion. A dermatologist will help you. Meanwhile use hand cream several times a day and use a mild cleanser such as dove.