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Job loss: how long will your savings last?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add your savings and monthly costs. See how many months you can last and what to trim first.

Estimate. EPFO rules change; check the EPFO member site. Not advice.

Common questions

Should I take my EPF out?

Only as a last step. It reduces your retirement money.

How big an emergency fund do I need?

Plan for the job search to take a few months. The tool shows any shortfall.