🚨 Emergency Stress Test Engine

Financial Emergency Simulator

Simulate combined shocks like job loss, medical events and EMI spikes. See your weekly survival runway and act with a practical defense and recovery plan.

⚠️ Multi-Shock 📉 Burn Timeline 🧭 Defense Ladder

💼 Core Monthly Cashflow

Current Monthly Income (Rs)

Essential Monthly Expense (Rs)

Monthly EMI Outflow (Rs)

Available Insurance Buffer (Rs)

🏦 Liquidity & Debt Inputs

Liquid Cash + Sweep FDs (Rs)

Liquid Mutual Funds (Rs)

Unused Credit Card/OD Cushion (Rs)

Average Debt Interest Rate (%)

⚙️ Shock Setup

Income Drop (%)

Medical Out-of-Pocket Shock (Rs)

EMI Spike (%)

Income Delay (Days)

📡 Emergency Outcome Dashboard

Days-to-Danger

Survival Runway

Weekly Burn Under Shock

Liquidity Buffer

Emergency Severity

Recovery Horizon

Emergency Status

Analyzing...

🗓️ 12-Week Survival Timeline

🧱 Expense Defense Ladder

Step	Action	Potential Monthly Relief

📈 Recovery Playbook (Week-wise)

🔍 Assumptions

Combined shock applies selected income drop, one-time medical outflow, EMI spike and delayed receipts where toggled.
Runway uses total liquid buffer: cash + liquid funds + accessible short-term credit cushion.
Days-to-danger starts when cumulative burn exceeds available liquidity under simulated conditions.
Recovery horizon estimates months needed to restore pre-shock buffer via staged surplus rebuild.

⚠️ Boundary Notes

This is a planning simulator; not legal, insurance, or lender-negotiation advice.
Actual outcomes vary by policy claim acceptance, job market conditions, and lender flexibility.
Use outputs to prepare early interventions before liquidity stress reaches critical levels.

🔗 Related Risk Tools

🛟 Emergency Fund Calculator 💳 Debt Payoff Calculator 📊 Financial Dashboard 🛡️ Insurance Intelligence Studio