Public calculators

One money question. A clearer next move.

Pick a question, change a few numbers, and get a plain-English estimate. No finance degree needed.

Loading rates

8 calculators

15 FX rates

4 CPI countries

Runway inputs

Emergency fund

How long could my money last?

Enter essential monthly spend, cash available, country lens, and target months.

How long could my money last?

Compare your emergency cash with the bills you must pay each month.

Monthly essentials

Housing, food, medical, debt, and family support.

Cash available

Accessible cash already reserved for emergencies.

Cash currency

Currency used for spend and reserve.

Target runway

Common emergency planning starts around three to six months and rises with dependents or income risk.

6 months

3 months12 months

Add an inflation stress check

Country for inflation

We use this country's recent inflation to test a higher monthly cost.

Runway stack

Cash available, target reserve, and funding gap.

Monthly essentials: ₹39,000.00; Recurring must-pay spend
Target reserve: ₹234,000.00; 6 month target
Cash available: ₹230,000.00; 5.9 months covered
Funding gap: ₹4,000.00; Still needed

Your emergency-fund answer

See the months covered, target amount, and any gap.

Your answer

Your emergency cash could cover about 5.9 months of essential spending.

Runway5.9 mo

Reserve progress

Cash toward targetINR 230K

Funding gapINR 4K

Target reserve

₹234,000.006 months of essentials

Funding gap

₹4,000.005.9 months covered

Target covered98%

Inflation-stressed runway5.7 months after 4% CPI stress

Country monthly guide₹39,000.00

Runway stack

Cash available, target reserve, and funding gap.

Monthly essentials: ₹39,000.00; Recurring must-pay spend
Target reserve: ₹234,000.00; 6 month target
Cash available: ₹230,000.00; 5.9 months covered
Funding gap: ₹4,000.00; Still needed

How we estimated this

We multiply essential monthly spending by your target months. We divide current emergency cash by monthly spending to show months covered.

Data used

FX snapshot 2026-07-01. Rates file valid for 2026-07-01. CPI rows use the latest country data in the public rates file.

Why this number?

Three simple choices shape this estimate.

Country CPI provides the inflation stress lens.
Monthly spend should include unavoidable housing, food, medical, debt, and family-support costs.
The default target follows the common three-to-six-month emergency fund planning range.

What this means

Use the gap to plan a reserve that can cover job loss, delayed payments, or urgent travel without selling long-term assets.

Important noteEmergency cash should usually stay accessible and liquid; investment returns are intentionally excluded.

More money questions Settel can answer next

These side tools work as useful entry points, then lead into Settel's full cross-border financial picture.

Rent Affordability Abroad

Compare lease pressure across currencies before signing.

Education Cost Drift

Project school fees in another currency with inflation.

Retirement Country Switch

Estimate long-run lifestyle needs after changing countries.

Tax Residency Day Counter

Map travel days and filing windows into planning risk.

Net Worth Allocation

See how concentrated wealth is by currency and country.

Document Freshness

Spot stale statements before a tax or wealth review.

A calculator is the start. Settel is the operating system.

Net worth, tax, residency, documents, deadlines, and AI in one cross-border platform.

View plans

Settel