Savings
Emergency Fund Calculator
Determine the ideal emergency fund size based on your monthly expenses and risk profile.
Formula
Fund = Monthly Expenses × Months Coverage
Monthly Expenses, Months to Cover
Results
Enter values above to see results
Fund = Monthly Expenses × Months Coverage
Emergency fund recommendation is 3-6 months of monthly expenses. This fund should be in liquid form like savings account or FD. It covers job loss, medical emergencies, or unexpected expenses without disrupting investments.
Monthly expenses of ₹75,000 with 6-month emergency fund coverage
Input Values
Calculation
Applying the formula with the input values above:
Results
Emergency Fund Required
₹4,50,000.00
- 1Enter your total monthly household expenses (rent, groceries, utilities, EMIs).
- 2Decide how many months of coverage you want (3 months minimum, 6 recommended).
- 3Keep this fund in a separate savings account or short-term FD for easy access.
- 4Replenish the emergency fund immediately if you use it.
- 5Self-employed individuals should maintain 6-9 months of expenses as buffer.
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