Goal planning
Emergency Fund Calculator
How much cash cover you need, and how long to build it.
Your figures
Target fund
₹5,40,000
- Current cover
- 2.0 mo
- Still to save
- ₹3,60,000
- Save each month
- ₹30,000
Progress
- Saved₹1.8 L
- Remaining₹3.6 L
- Hold this in instruments you can access within a day or two without a loss — a sweep-in deposit or a liquid fund, not equity.
How this is calculated
Target = essential monthly expenses × months of cover.
An emergency fund is the foundation everything else rests on: without it, the first unexpected expense becomes debt, or forces the sale of a long-term investment at the wrong moment.
Assumptions used
- Emergency fund cover6
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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