Finance · Free tool
Emergency Fund Calculator
A buffer of 3–12 months of essential expenses, parked in a liquid fund or savings + sweep FD. Don't skip this — it's the foundation of any financial plan.
₹50,000
Rent + groceries + EMIs + utilities + school fees. Skip discretionary.
Single income → 6+; freelancer / business → 9-12; dual income, stable jobs → 3-6.
Target emergency fund
₹3,00,000
6 months × ₹50,000
Park in a liquid mutual fund (best returns) or sweep-FD (instant access). Avoid equity.