Emergency Fund Calculator

Calculate exactly how much emergency fund you need based on your monthly expenses, EMIs, and life situation. Free emergency fund calculator for India.

Monthly Expenses

₹

EMIs (Home/Car/Personal)

₹

Insurance Premiums

₹

Your Situation

Your Emergency Fund Should Be

₹2,40,000

6 months of expenses

Monthly Burn

₹40,000

Months Covered

Yearly Expenses

₹4,80,000

The calculations shown are for illustrative purposes only and should not be considered as financial advice. Your actual emergency fund needs may vary based on your specific financial situation. Consult a financial advisor for personalized guidance.

Find out exactly how much you need in your emergency fund. Enter your monthly expenses, EMIs, and insurance premiums - the calculator adjusts based on your employment situation.

How This Calculator Works

Your emergency fund = (Monthly Expenses + EMIs + Insurance) × Months of Coverage

The number of months depends on your situation:

Situation	Months Covered
Stable salaried job	3 months
Salaried with dependents	6 months
Single income family	8 months
Freelancer / Self-employed	10 months
Business owner	12 months

Where to Keep Your Emergency Fund

1 month in your savings account (instant access)
Remaining in a liquid mutual fund (T+1 withdrawal, better returns)

Important

Never put your emergency fund in stocks, FDs with penalties, or locked instruments. It needs to be safe and accessible.

Want a detailed guide? Read Emergency Fund: How Much Do You Really Need?

How This Calculator Works#

Where to Keep Your Emergency Fund#

Important#

How This Calculator Works

Where to Keep Your Emergency Fund

Important