How Long Can You Survive Without a Salary? Calculate Your Financial Runway
Add up your total savings, emergency funds and other easily accessible money.
Calculate your essential monthly expenses: rent, food, bills, EMIs and transport.
Divide your available savings by your essential monthly expenses.
Example: ₹3 lakh savings ÷ ₹50,000 monthly expenses = 6 months.
Your answer is your approximate financial survival period without a salary.
Don’t count money locked in long-term investments or assets you cannot quickly access.
A longer emergency fund can give you more time to find your next income source.
If your runway is short, start cutting non-essential expenses and building savings now.
Know your number today—it can help you prepare before an unexpected job loss.
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