Career Break Planner
A comprehensive financial planner for professionals considering a career break. Enter your monthly commitments, living expenses, one-time costs, and break duration to get your exact "freedom number" — the corpus you must save before safely quitting. Includes inflation adjustment, income-during-break modelling, emergency buffer, and honest warnings about EMI risks and readiness.
Enter your monthly expenses, commitments, and desired break duration to find your exact freedom number — the amount you must save before it is safe to quit.
Break details
Break duration
Current monthly take-home income (₹)
Emergency buffer
Expected inflation during break (%)
6%
Fixed monthly commitments (cannot be paused)
These continue even after you quitHouse rent / maintenance
Home loan EMI — cannot skip, CIBIL risk
Car / vehicle loan EMI — cannot skip, CIBIL risk
Personal loan EMI — cannot skip, CIBIL risk
Health & life insurance premiums — employer cover stops
Children's school / tuition fees
Parent / family support
Monthly living expenses
Groceries & household supplies
Utilities (electricity, water, gas, internet)
Transport (fuel, cab, auto)
Medical & medicines
Subscriptions (OTT, gym, apps)
Food delivery & eating out
Clothing & personal care
Miscellaneous & unexpected
One-time expenses during break (total, not monthly)
Enter the full amount, not monthly — these are added as lump sums.
Travel & vacation planned
Course / upskilling / certification
Home renovation or big purchase
Wedding / ceremony / family event
Other one-time expenses
Income during break (if any)
Be conservative — overestimating income during break is a common and dangerous mistake.
Expected monthly freelance / part-time income — only include if highly confident
Monthly investment returns (FD interest, rental, dividends)
Savings already set aside for this break (₹)
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