Reviewed by Artha Research·Last updated 8 April 2026
Emergency Fund Calculator
Work out how much liquid emergency savings you need based on expenses, dependents, and job volatility.
Inputs
Size your emergency reserve before adding more long-term risk.
Target emergency fund
₹5.3L
Emergency fund is healthy
Your liquidity matches the size your profile calls for.
Keep this corpus liquid and separate from long-term investments.
Recommended coverage
7 mo
Target fund
₹5.3L
Current coverage
8 mo
Shortfall
₹0
Emergency fund is fully sized
Keep this corpus liquid and separate from long-term investments. Re-check yearly when expenses change.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
At a glance
- What it does
- Sizes the liquid emergency fund you need based on monthly expenses, dependents, and job volatility.
- Baseline rule
- 6 months of expenses for a stable salaried household; 9-12 months for volatile income or sole earners with dependents.
- Typical output
- ₹75k monthly expenses + 1 dependent + medium volatility = ~₹5.25L target fund (7 months of runway).
- Best used for
- Setting the first financial goal before any long-term investing. The emergency fund is the foundation every other decision depends on.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Target emergency fund = monthly expenses x recommended coverage months.
- Coverage months increase when income is volatile or dependents are present.
- Shortfall = target fund - current liquid savings.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Emergency money is assumed to be liquid and low-risk.
- The recommended coverage months are planning rules, not a legal requirement.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
How many months should I keep?
Six months is a common base. Nine or more can make sense when your income is uncertain or your household depends on one earner.
Should I invest my emergency fund?
Only in highly liquid, low-volatility assets. The point is access, not return maximisation.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
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