MoneySastra
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Money Runway

How long could your household manage if income changed?

Start with money you can actually access today and your essential monthly household expenses. If some reliable income would continue, add it to get a more realistic runway.

Keep the first answer conservative

Do not use a future FD maturity value or an asset you cannot readily access today. If continuing income is uncertain, leave it at zero.

Essential inputs

Your household buffer

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Cash, savings and money you could genuinely use now.
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Housing, food, utilities, insurance, medicines, EMIs and other essentials.
Refine your result optional
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For example, spouse income, pension or rent that you reasonably expect to continue.
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Known payments that must come out before the runway begins.
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If entered, MoneySastra will show the difference between current spending and essential spending.
Enter the two essential numbers first. Add the optional fields only if they genuinely apply to your household.

Why income and expenses both matter

Budgeting is fundamentally about money coming in and money going out. An emergency reserve is meant to absorb unexpected expenses or financial setbacks, so the rate at which the reserve is actually being used matters as much as its starting balance.

General information only. If continuing income is uncertain, use zero for a more conservative result. SEBI investor education on income, expenses and emergency funds ↗