Calculator
Emergency Fund Calculator
Find out how much you need in your emergency fund based on your expenses, dependents, and job stability. Build your financial safety net.
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₹10,000₹5,00,000
08
₹
₹0₹2,00,000
₹
₹0₹50,00,000
Recommended Emergency Fund
₹3.54 L
6 months of expenses
Current Coverage
1 months
Existing fund: ₹1,00,000
Gap to Fill
₹2.54 L
Save ₹21,167/mo to build in 1 year
Fund Status
28% fundedTarget: ₹3.54 L
Why Do You Need an Emergency Fund?
An emergency fund is your financial safety net for unexpected events - job loss, medical emergencies, urgent home repairs, or any crisis. Without one, you risk falling into debt or breaking long-term investments at a loss.
How Much Emergency Fund Do You Need?
- Government / stable job: 3 months of expenses
- Private sector / moderate risk: 6 months of expenses
- Freelancer / business owner / risky job: 9-12 months of expenses
Where to Keep Your Emergency Fund
- High-yield savings account for instant access
- Liquid mutual funds for slightly better returns with 1-day withdrawal
- Fixed deposits with premature withdrawal facility
- Never invest emergency funds in stocks or equity - they must be safe and liquid