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Shravya Finlytics

Emergency fund calculator

Work out the emergency fund your expenses call for, how many months what you have already saved covers, and what is still missing.

The fund that keeps a bad month from becoming a bad year.

5,000–20,00,000
₹

Rent, food, fees, EMIs, insurance - what you must pay even with no income.

1–24
months

Six for a salaried household; more for freelance or single-income families.

0–5,00,00,000
₹
1,000–10,00,000
₹

Everything here is worked out in your browser. Nothing you type is sent to us or saved.

Your emergency fund should be

₹3,00,000

What you have covers

2.0 months

Short by ₹2,00,000

Filled in

10 months

At ₹20,000 a month

  • Already saved₹1,00,000(33%)
  • Still to save₹2,00,000(67%)
  • Keep it where you can reach it within a day and where the value does not move: a savings account, a sweep-in deposit or a liquid fund.
  • Not in equity. The months you would need it are exactly the months markets are down.
  • Build this before investing for anything else. It is what stops an emergency turning into a card balance at 42%.

Common questions

How many months should it cover?

Six months of expenses is the usual answer for a salaried household with one earner; three can be enough with two stable incomes, and twelve is sensible for freelance or commission income.

Where should it sit?

Somewhere you can reach within a day and where the value does not move: a savings account, a sweep-in fixed deposit, or a liquid fund. Not equity, and not money locked in a five-year deposit.

Other calculators

This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.