Emergency fund calculator

How big your safety net should be.

Your emergency fund target

₹2,00,000

₹2 lakh

5 months of essential expenses

You have: ₹50,000
Still to build: ₹1,50,000
Months of cover today: 1.25
Time to build it: 15 months

Keep this money where you can reach it within a day and it won't fall in value: a savings account, sweep-in FD or liquid fund. It isn't an investment; it is what stops an emergency from becoming debt.

Saved₹50,000
Still to build₹1,50,000

What this calculates

An emergency fund covers essential expenses if your income stops or a large unplanned cost arrives. This calculator sizes it for your situation.

How it's calculated

Target = Monthly essentials × months of cover

Months: 4 (stable) / 6 (moderate) / 9 (variable) + 1 per dependant (up to 3) + 2 without health cover, max 12

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Somewhere safe and quick to access: a savings account, sweep-in FD or liquid fund.

Build at least part of it first. Without it, an emergency forces you to sell investments at a bad time or borrow.

Emergency fund calculator

What this calculates

How it's calculated

Questions about this tool

Where should I keep it?

Should I invest before building it?

Emergency fund calculator

What this calculates

How it's calculated

Questions about this tool

Where should I keep it?

Should I invest before building it?