Your emergency fund, in months
Kosh sets liquid savings against every EMI, premium, fee and SIP still due. The answer is one number of months.
Rao family Runway
9.5 months
Liquid savings against every payment due
Runway
How long will your savings last? See it in months
Runway is the number of months your family’s liquid savings cover every payment still due. What-if shows the new Runway before you change anything.
Net worth
₹61 L
Funds and savings ₹85 L, home loan ₹24 L
Asha₹40 LRavi₹21 L
Savings last11 months
Largest fund32%
Mutual funds₹62 L · 73%
PPF and NPS₹14 L · 16%
ULIP₹9 L · 11%
Try a change first
Stop an SWP or add an EMI in what-if. Kosh shows the new Runway, and nothing is saved until you choose.
What-if: car loan EMI
9.5 → 7 months
₹18,000 a month for 5 years
Set a floor with a Hard rule
Pick a minimum Runway your family agrees on. Kosh warns before a change takes you below it.
- Kosh checks the floor every month
- Every Member sees the same Runway
- You decide what to change
Questions
Runway and what-if: questions
How many months of emergency fund do I need?
Kosh does not pick a number for you. Your family sets a minimum, and Kosh shows your Runway and warns if a change would take it below.
How does Kosh work out Runway?
It counts how many months your liquid savings cover every payment still due on your plan.
Does a what-if change my plan?
No. What-if only shows the new Runway. Your plan changes only when a Member makes the change.
Can both of us see the Runway?
Yes. Every Member of the Household sees the same Runway.