Protect · Free · 2-4 minutes
Recession Readiness Check
Not a recession forecast — a measurable read on how your own finances would hold up if income, markets or costs moved against you.
Income & essentials
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Investments (optional)
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Income type
This runs simple -10%/-20%/-30% income scenarios and, if you've entered investments, -20%/-30% market scenarios — fixed test levels you control, not a prediction that either will happen.
Resilience profile
STABLE
Your core finances absorb moderate shocks but have identifiable weak points.
Runway
4.5 mo
Debt service ratio
19%
Income shock tolerance
30%
Monthly surplus today
₹25,000
Income shock scenarios
| Drop | Income | Monthly surplus | Status |
|---|---|---|---|
| -10% | ₹72,000 | ₹17,000 | OK |
| -20% | ₹64,000 | ₹9,000 | OK |
| -30% | ₹56,000 | ₹1,000 | OK |
Market shock scenarios
| Fall | Portfolio loss | Post-crash value |
|---|---|---|
| -20% | -₹70,000 | ₹4,30,000 |
| -30% | -₹1,05,000 | ₹3,95,000 |
This is a paper-value change, not a cash-flow event — it only becomes a real problem if you need that money soon.
First break point: No modeled shock breaches your monthly cash flow — your first real constraint would need a larger or longer shock than tested here.
Top actions
- A market fall would reduce paper wealth, not your liquidity — don't treat portfolio drops as a reason to sell if you don't need that cash soon.