Emergency Fund Calculator
Calculate the right size of emergency fund for your income stability, dependents, and monthly obligations.
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How this calculator works
An emergency fund is 3–12 months of expenses kept in highly liquid instruments. The right amount depends on your job security, number of dependents, EMI obligations, and health cover. This money should never be invested in equity — use liquid funds or high-yield savings accounts.
Emergency Fund = Monthly expenses × Months of cover (based on stability score)
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Liquid funds beat savings
Liquid mutual funds give 6–7% returns vs 3–4% in savings accounts, with T+1 redemption — ideal for emergency funds.
More dependents = more months
Single income household with dependents needs 9–12 months. Dual income, no dependents: 3–4 months.
Never touch it
Your emergency fund is insurance, not an investment. Treat it as already spent until an actual emergency.
Frequently Asked Questions
Liquid mutual funds give 6–7% returns vs 3–4% in savings accounts, with T+1 redemption — ideal for emergency funds.
Single income household with dependents needs 9–12 months. Dual income, no dependents: 3–4 months.
Your emergency fund is insurance, not an investment. Treat it as already spent until an actual emergency.