How much should I save before a 1-year sabbatical?

Aim for (12 months expenses) + (4 months job-hunt buffer) + (One-time break costs like travel). Totaling ~18 months of expenses is the gold standard for a stress-free break.

What is the hidden cost of a career break?

The biggest hidden cost is the 'Compounding Gap'. Missing one year of 12% PF/SIP contributions at age 30 can result in a ₹40L–₹60L smaller retirement corpus at age 60.

Sabbatical / Career Break PlannerFY 2026-27

Stress-test your 'Sustainability Runway' for a career break and calculate the opportunity cost of lost compounding.

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Quick Summary: Sabbatical / Career Break Planner

Planning a sabbatical in 2026 requires more than just an emergency fund. You must account for health insurance (as group cover ends), the loss of 12% employer PF compounding, and a 're-entry' buffer of 3-4 months. This tool projects your corpus trajectory during the break.

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Regulatory Disclaimer · FY 2026-27

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.