Emergency fund calculator
Find the right safety net for your expenses and EMIs, and a realistic date to have it ready. Free, private (runs in your browser) — no sign-up.
Monthly essential expenses
Monthly EMIs
Months of cover
Already saved
Can save per month
Currency
Emergency fund target
₹2,70,000
Still needed
₹2,20,000
Ready in
22 months
6 months is a good default; choose 9–12 if your income is irregular or you are the only earner. Keep it in a savings account, sweep-in FD or liquid fund.
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How many months should an emergency fund cover?
Six months of essential expenses plus EMIs is a good default. Choose 9–12 months if your income is irregular or you are the only earner.
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