Cash Buffer Calculator

Monthly Essential Expenses (₹)

Stress Cushion (%) buffer for shocks

Portfolio Value (₹)

Planned Withdrawal Rate (% p.a.)

Current Cash Buffer (₹)

Desired Horizon (months)

Cash Yield (% p.a.)

Stress cushion inflates expenses. Planned withdrawals reduce net cash burn. Cash yield compounds monthly.

Recommended Buffer

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Current Coverage

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Shortfall / Surplus

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Runway with Cash

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Monthly Net Outflow

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Cash Yield / Yr

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Cash Balance vs Required Buffer

Solid line = projected cash balance, dashed line = recommended buffer threshold.

Month	Projected Cash (₹)