Emergency fund · free, no sign-up
Emergency fund calculator: how many safe months do you have?
The usual 6-months rule ignores EMIs, job stability and people who depend on you. This calculator counts all of them and tells you how many months your cash already covers.
Change the inputs
Emergency-fund shield
Counts expenses, EMIs, job uncertainty, dependants and the emergency cash already saved.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹EMIs do not stop during an emergency. Income uncertainty and dependants increase the number of months your cash shield should cover.
Save it in RupaylogyHow this calculator works
- Your monthly need is your household expenses plus EMIs, because EMIs do not stop in an emergency.
- The target starts at 6 months for stable salaried income, 8 for uncertain jobs, 9 for retired or irregular income and 10 for business or freelance income. Each dependant adds a month, up to 3, and the target is capped at 15 months.
- Safe months today = emergency savings ÷ monthly need. The gap is the target minus what you have saved.
A worked example
With ₹45,000 of expenses and ₹18,000 of EMIs, the monthly need is ₹63,000. A stable salaried earner with two dependants gets an 8-month target of ₹5.04 lakh. ₹2.5 lakh saved covers about 4 months.
Questions people ask
Emergency fund kitna hona chahiye?
Kam se kam 6 mahine ka kharcha aur EMI. Agar naukri pakki nahi hai, business hai, ya ghar mein log aap par depend karte hain, toh 8 se 12 mahine rakhein. Upar ka calculator aapka exact number nikaal deta hai.
Where should I keep my emergency fund?
Somewhere safe and quick to withdraw: a savings account, a sweep-in fixed deposit or a liquid fund. It is insurance for bad months, not an investment for returns.
Should I build the emergency fund before starting a SIP?
Build at least a few months of cover first, then run both together. Without it, one emergency can force you to sell investments at a bad time.
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