When can I withdraw money from PF after leaving a job?

You can withdraw 75% of your EPF balance after 1 month of unemployment and the remaining 25% if you remain unemployed for 2 months.

How does severance pay affect my tax for 2026?

Severance or retrenchment compensation is tax-exempt up to ₹5 Lakhs under Section 10(10B), provided it is paid under a scheme approved by the government.

Job Loss Emergency Planner

Simulate a loss of income and calculate your 'Survival Runway' using severance, liquid assets, and EPF buffers.

Quick Summary: Job Loss Emergency Planner

A job loss runway in 2026 must account for the 2-day F&F settlement rule and the ability to withdraw 75% of your EPF after 1 month of unemployment. This tool calculates how many months you can survive based on your 'Cash Burn Rate' and severance package.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.