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Layoff: 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. State unemployment rules vary. Not advice.

Common questions

How long do I have to choose COBRA?

You generally have about 60 days to elect COBRA or use a special enrollment period.

Should I stop my 401(k) contributions?

Only if you must. Cover essentials first.