Emergency Fund Calculator
Calculate how much emergency fund you need based on your situation.
Results
Recommended emergency fund (6 months)
₹2,40,000
Current savings
₹0
Shortfall
₹2,40,000
Save this much monthly to build in 12 months
₹20,000
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How much emergency fund do you need in India?
An emergency fund is liquid savings set aside for unexpected expenses — job loss, medical emergencies, or urgent repairs. In India, where social safety nets are limited, having an adequate emergency fund is especially critical.
The standard recommendation is 3–6 months of essential expenses for salaried individuals and 6–9 months for self-employed or business owners. If you have dependants or irregular income, lean toward the higher end. Your emergency fund should be in liquid instruments like savings accounts or liquid mutual funds.
Building an emergency fund should be your first financial goal — before investing. Start small if needed, but aim to build up to your target within 12–18 months. Once built, only use it for genuine emergencies and replenish it promptly after use.
Frequently asked questions
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