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Emergency fund

A cushion for job loss or surprises, measured in months of your spending.

1Your spending
₹50K
Choose the buffer that suits your situation.
2Your fund
₹1.5L
₹15K
You’re covered for3.0 months

Your target is ₹3,00,000. At this pace, you’ll get there in about 10 months.

Target
₹3,00,000
6 × monthly spend
Still to save
₹1,50,000
50% saved
Time to target
10 mo

Progress to target

  • Saved₹1.5 L
  • To go₹1.5 L
How we work it out

Target = monthly spend × months to cover. Covered months = saved so far ÷ monthly spend. Time to target rounds up to whole months, assumes a fixed monthly top-up, and ignores interest earned. Your emergency balance is entered manually; average monthly savings is not your balance.

Work out your emergency fund target

An emergency fund is money set aside for unexpected costs or a disruption to income. This calculator translates your monthly spending and chosen coverage period into a target, then shows how far your existing fund goes.

  1. Enter monthly spending, including any regular EMI payments.
  2. Choose the number of months you want the fund to cover.
  3. Add your existing emergency savings and monthly top-up to estimate coverage and time to target.

The calculation

Target=monthly spending×months of cover Months covered=amount savedmonthly spending Months to target=⌈max(0,target−saved)monthly contribution⌉
Time to target is shown only when the monthly contribution is positive. Interest earned is not included.

Common questions

How many months should my emergency fund cover?

Choose the coverage period that fits your own commitments, income stability and access to support. The calculator lets you explore different buffers rather than deciding the number for you.

What if I am not adding to the fund each month?

The calculator still shows coverage and the shortfall. If the target has not been reached and the monthly top-up is zero, it shows no target date.

Does the emergency fund projection include interest?

No. It uses a fixed monthly top-up and excludes interest. “Saved so far” is your actual emergency balance, not an average monthly saving amount.