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Emergency fund calculator.
The amount that keeps one bad month from becoming a bad year, and how long it takes to build at what you can set aside.
₹
mo
Three if your income is steady and secure. Six or more if it is not, or if others depend on it.
₹
₹
Your fund should be
₹2.4 L
You are ₹1,90,000 short. At this pace that is 1 yr 7 mos away.
Already savedStill to go
- Target
- ₹2,40,000
- Still to go
- ₹1,90,000
- Time to get there
- 1 yr 7 mos
How it adds up
- You spend a month₹40,000
- timesMonths to cover6
- equalsThe fund you need₹2,40,000
- minusAlready set aside₹50,000
- equalsStill to save₹1,90,000
- divided by₹10,000 a month, so1 yr 7 mos
What this assumes
Counts only what you can reach the same day. Money in equity or locked deposits is not an emergency fund, however much of it there is.
Rules and rates from
- A planning rule of thumb, not an official rule
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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