🛡️ Emergency Fund Calculator
Emergency fund target based on your inputs — not generic "6 months" advice
₹
Include rent, EMIs, utilities, groceries, insurance. Exclude discretionary spending.
💼 Job Sector
+0 months
👔 Job Level
+0 months
👨👩👧 Household Income
+0 months
👶 Dependents
+0 months
💳 EMI Burden
+0 months
🏥 Health Conditions
+0 months
₹
6
Months of Expenses
= ₹3,00,000
Your Progress
33%
₹0
Target: ₹3L
Target Emergency Fund
₹3,00,000
Current Savings
₹1,00,000
Gap to Fill
₹2,00,000
Base (Everyone)
3 months
Job Sector Adjustment
+1 month
Job Level Adjustment
+0 months
Income Type
-2 months
Dependents
+0 months
EMI Burden
+0 months
Health Status
+0 months
Total Recommended
6
months
💰 Where to Park Your Emergency Fund
Savings Account (1-2 months)
Instant access for immediate needs
Liquid Mutual Fund (2-3 months)
1-day redemption, better returns
Short-term FD (Remaining)
Laddered FDs maturing every 3 months
Save Aggressively (6 months)
₹33,333/mo
Comfortable Pace (12 months)
₹16,667/mo
Slow & Steady (24 months)
₹8,333/mo
Why "6 Months" Doesn't Work for Everyone
The common "6 months expenses" rule is a starting point, not gospel. Your actual emergency fund depends on your job stability, dependents, health, and existing commitments.
When You Need MORE Than 6 Months
- Single Income Family: No backup if primary earner loses job
- Startup/Freelance: Income is inherently volatile
- High EMI Burden: Fixed obligations don't stop during emergencies
- Health Issues: Medical emergencies are the #1 reason for fund depletion
- Senior Roles: Higher salaries take longer to replace
When You May Need Less
- Government Jobs: Very high job security
- Dual Income (No Kids): Backup income source exists
- In-Demand Skills: Can find new job within weeks