Investment
Emergency Fund Calculator
Computes a target emergency fund size from your monthly expenses and shows the gap against what you already have.
Your details
₹
mo
₹
Target emergency fund
₹2,40,000
Gap to close
₹1,90,000
Your target emergency fund is ₹2,40,000 (6 months of expenses). You still need ₹1,90,000 more.
Total₹2,40,000
- Already saved₹50,000
- Still needed₹1,90,000
How this is calculated
Target = essential monthly expenses × number of months of cover. Gap = target − current savings (floored at zero).
Frequently asked questions
How many months of expenses should I save?
3–6 months is the common range for a stable dual-income household; 6–12 months is safer for a single income, freelance/variable income, or a less stable job market.
Where should I keep my emergency fund?
Somewhere liquid and low-risk — a savings account, a liquid mutual fund, or a sweep-in FD — not locked away or invested in anything volatile.
Should I count my investments as part of my emergency fund?
Only ones you could access within a day or two without penalty or market-timing risk — long-term equity holdings generally shouldn't count.