Calculator
Emergency Fund Calculator
Your target emergency fund size, the gap vs what you've already saved, and how long it takes to close it at a monthly SIP.
₹2,00,000 short of your target — 1y 7m away at ₹10,000/month.
Target Corpus
₹3,00,000
6 months of expenses
Gap
₹2,00,000
Months to Target
1y 7m
Parking this in an FD or RD? FD Calculator · RD Calculator
A commonly-cited range is 3-6 months for a stable dual-income household, up to 9-12 months for a single income or variable-income (freelance/business) household. This is a general planning guideline, not a rule that fits everyone.
Somewhere liquid and low-risk — a savings account, sweep-in FD, or liquid mutual fund — not equity. The point of this fund is availability in an emergency, not maximizing return; a low return-rate assumption here reflects that.
Why an emergency fund comes before any other investing
An emergency fund exists so a job loss, medical bill, or unplanned expense doesn't force you to break a long-term investment or take on high-interest debt. Size it in months of expenses, not a fixed rupee number, so it scales with your actual cost of living.
Disclaimer: This is a general planning guideline (3-12 months is the commonly-cited range), not personalized financial advice — your right number depends on job stability, dependents, and existing insurance cover.
Plan the month around it with our monthly budget planner (free template).
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