Emergency Fund Runway Calculator
Estimate how long your savings would last during an income interruption — with temporary income, spending cuts and one-time costs modelled month by month.
- Free
- No signup
- Private browser calculation
Estimated runway
6 months
Net draw ₹50,000 per month.
- Net monthly draw
- ₹50,000
- Fund after one-time costs
- ₹3,00,000
- Depletion date
- —
Starting from ₹3,00,000 after one-time costs, spending ₹50,000 more than income each month gives approximately 6.0 months of cover.
Reducing essential spending or adding temporary income extends the runway — adjust the optional fields to see by how much.
These estimates are for general planning only and are not financial, tax, investment or banking advice. Actual interest, fees, taxes, inflation and product terms may differ. Emergency-fund needs vary by household, income stability, insurance and personal circumstances.
Balance by month
| Month | Opening | Draw | Closing |
|---|---|---|---|
| 1 | ₹3,00,000.00 | ₹50,000.00 | ₹2,50,000.00 |
| 2 | ₹2,50,000.00 | ₹50,000.00 | ₹2,00,000.00 |
| 3 | ₹2,00,000.00 | ₹50,000.00 | ₹1,50,000.00 |
| 4 | ₹1,50,000.00 | ₹50,000.00 | ₹1,00,000.00 |
| 5 | ₹1,00,000.00 | ₹50,000.00 | ₹50,000.00 |
| 6 | ₹50,000.00 | ₹50,000.00 | ₹0.00 |
Assumptions and conventions
- Net draw = essential spending × (1 − reduction) − temporary income − support income; one-time costs are taken at the start; the final month counts fractionally.
- No interest is earned on the fund during the disruption.
- Income and spending assumptions stay constant unless you change them.
- Values are calculated at full precision and rounded for display; columns may differ from totals by a small rounding amount.
What this calculator does
It simulates your emergency fund month by month during an income disruption: essential spending (optionally reduced), minus any temporary or support income, with one-time costs taken at the start. The result is the net monthly draw, the months of runway including a fractional final month, and the estimated depletion date.
When temporary income covers the reduced spending, the fund is not being depleted at all — the calculator says exactly that rather than showing an infinite runway.
Formula
Net monthly draw = essential spending × (1 − spending reduction) − temporary income − support income. Runway = (fund − one-time costs) ÷ net draw, computed month by month with the final month counted fractionally.
Assumptions
- No interest is earned on the fund during the disruption.
- Spending and income assumptions stay constant unless you change them.
- One-time costs are paid at the start of the disruption.
Content and formulas reviewed on 2026-08-06. See our methodology for how calculations are built and tested.
Worked example
A 3,00,000 fund against 50,000 of monthly essentials gives 6 months of runway. Cutting spending 20% and receiving 10,000 of support reduces the net draw to 30,000 and extends the runway to 10 months.
Frequently asked questions
What happens if my temporary income covers my expenses?
The fund is not being depleted under those assumptions, and the calculator states that plainly. The runway question only arises while spending exceeds income.
Should I include severance or unemployment benefits?
Yes — enter them as temporary or support income for as long as you expect them. If they are time-limited, run the calculator twice: once with and once without.
Why is there a fractional month in the result?
The final month usually only partly drains the fund; counting it as a whole month would overstate the runway. 2.5 months means the third month is half covered.
What if a one-time cost exceeds my fund?
The calculator reports an immediate shortfall with zero months of runway, rather than a negative balance.
Does the fund earn interest during the disruption?
The model assumes not — over runway horizons of months, interest on liquid savings changes the answer very little, and assuming zero keeps the estimate conservative.
These estimates are for general information only and are not financial, tax, legal, or investment advice. Rates, fees, and lending rules vary by lender and country. Actual costs and outcomes may differ from the projections shown.