🆘 Survival Duration Calculator

How long can you survive without income? The reality check during layoffs and uncertainty

🧮 How This Calculator Works

Step 1: Monthly Burn Rate

We calculate your total monthly expenses:

  • Monthly expenses
  • EMI/Loan payments
  • Dependent costs (₹6,000 per dependent)

Step 2: Survival Duration

Basic calculation:

  • Survival Months = Current Savings ÷ Monthly Burn
  • Shows how long you can survive at current lifestyle

Step 3: Lifestyle Adjustments

We model expense reductions:

  • Minimal cuts: 15% expense reduction
  • Moderate cuts: 30% expense reduction
  • Significant cuts: 45% expense reduction
  • Extreme cuts: 60% expense reduction

Step 4: Emergency Fund Assessment

We compare against recommendations:

  • Recommended: 6 months of expenses
  • Status labels: Critical, Risky, Safe, Resilient
  • Action recommendations based on findings
Total liquid savings available for emergencies
Your current monthly living expenses
Total monthly loan payments and EMIs
Additional family members you support
How much are you willing to reduce expenses during crisis?

Your Survival Reality

Survival Duration

0 months
At current lifestyle

Emergency Fund Status

Inadequate
vs recommended 6 months

Monthly Burn Rate

₹0
Total monthly expenses

Adjusted Survival

0 months
With lifestyle cuts
Reality Status
Calculating...

Survival Timeline with Lifestyle Adjustments

Monthly Expense Breakdown
Loading breakdown...
Lifestyle Downgrade Timeline
Generating plan...
Emergency Action Plan
Creating action items...
Survival Strategy
Generating recommendations...