The two dates are the thing a colleague can forward. Change the numbers if this is not your book.
Example, so the page is worth sending before anyone types. In-hand ₹1.85L, ₹70,000 leaves, EMI ₹20,000, ₹8L saved, ₹4L EPF.
A sketch, not a forecast and not advice. Bonus, spouse income, gold jewellery, and a hike that does not arrive all move the month.
While the job stays, the sketch uses an 8% yearly hike and a 12% return on the saved amount. No bonus. EPF earns its usual interest and is not spendable cash. The EMI runs for 8 years. If salary stops, the hike and new EPF contributions stop with it.
When in-hand, what already leaves, the EMI, and what is already saved say so. On the example above — ₹1.85L in-hand, ₹70,000 leaving, ₹20,000 EMI, ₹8L saved, ₹4L EPF — the month is November 2030 if the job stays.
On that same example the pile runs out in 19 months. EPF is still yours. It does not pay the EMI on the 5th. The month that matters is cash, funds, and stocks divided by what keeps leaving.
The date moves when in-hand changes, when an EMI ends, or when the saved pile changes. That is the return visit. Replace the example with your numbers, then send the new dates to one person who has the same EMI.