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Add what you could draw on, what you must pay each month and your EMIs. You’ll see how many months your money lasts, which payments to protect first, and the emergency fund to aim for.
Money you could use within a few days. Leave out retirement savings like PF and PPF.
Change these to your own numbers. Put 0 for anything that doesn’t apply.
Add every loan EMI. For credit cards, use the minimum due you would pay.
Your runway (illustrative)
Money left at the end of each month if nothing else changes.
General guidance, not advice for your situation. Before you miss any EMI, call the lender and ask what options they have. Read what one missed EMI does to your CIBIL score.
A common rule of thumb is six months of essentials plus EMIs. It’s a starting point, not a rule.
Small app loans with short terms and daily penalties can take a big bite out of every month. SmartSwitch looks at bringing them together into one planned EMI.
See how SmartSwitch worksThis is a simple estimate. It assumes your costs stay the same each month, you pay every EMI in full and no other income comes in. It doesn’t include interest on savings, tax, medical surprises or a new job. Nothing you type is stored or sent anywhere.
Made by Omozing, the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered NBFC. Results are illustrative, not an offer.
This free calculator works out how many months your savings, notice pay and any partner income would cover your essential costs and EMIs if your salary stopped. It draws your balance month by month, suggests which EMIs to protect first, and shows the emergency fund to aim for, using the common rule of thumb of six months of essentials and EMIs.
A common rule of thumb is six months of essential costs plus EMIs. If your job is less secure or you support family, aim higher.
Protect secured loans such as a home loan first, keep at least the minimum due on credit cards to avoid late marks, and talk to your lenders before you miss any EMI.
A missed EMI is reported to the credit bureaus as days past due and can lower your score. Contact the lender early; many will discuss options before it becomes a default.
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