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Last reviewed 22 Apr 2026

Built for private-sector employees in India

Emergency Runway Calculator

Estimate how long your savings and expected severance may support your monthly commitments after job loss or resignation.

Interactive tool

Emergency runway calculator

Estimate how long your savings, severance, and side income can support your current monthly commitments.

Estimate

Fill in the values to see an estimate.

The result will update after you calculate. Use it as a planning aid alongside your contract, payslips, and employer policy details.

When this tool helps

This calculator is most useful in the first few days after a layoff, during resignation planning, or any time you need to understand how much decision space you actually have.

What to review before relying on the result

Use your current bank balance, recent payslips, EMI commitments, rent, and a realistic estimate of side income. If expenses are changing quickly, it helps to run a conservative version of the calculation as well.

What to do next

If the result looks tighter than expected, move immediately into cost review, EMI planning, and payout clarity. If the result looks healthier, use that breathing room to plan your next move rather than assuming the pressure is gone.

Assumptions behind this estimate

  • Monthly burn is calculated as living expenses plus EMI and rent, minus side income.
  • The estimate does not account for taxes, insurance changes, or one-time emergency costs.
  • Savings and severance are treated as immediately available for planning purposes.

Frequently asked questions

Should I include severance if it has not been confirmed yet?

Only include confirmed or highly likely amounts. If you are unsure, run the calculator twice: once with severance and once without it.

What counts as monthly expenses here?

Use recurring non-negotiable costs first, then add realistic discretionary spending you expect to continue.

Related guidance

If you want more context behind the estimate, start with these supporting articles.