Emergency Fund Planner
How much cash should I keep aside?
3.5of 9 months
Low
Your cash covers 3.5 months of outflow
You have some buffer, but not enough to absorb a job loss without selling investments.
To reach 9 months you need another ₹4.65L.
Target fund
₹7.65L
You have
₹3.00L
Gap
₹4.65L
Your numbers
₹3.00L
₹60,000
₹25,000
EMIs count. They do not pause when your income does — which is exactly why they belong in the outflow this fund has to cover.
Your circumstances
These change how big the buffer needs to be. A flat “three to six months” ignores how replaceable your income actually is.
Single income household
Financial dependants
What this calculation assumes
- •The recommended buffer starts at six months and adjusts for single income, dependants and job stability.
- •EMIs are counted as part of the outflow the fund must cover, because loan payments do not pause when income does.
- •Only genuinely accessible money counts — savings accounts, liquid funds, sweep FDs. Equity and locked instruments do not.
- •The recommendation is capped between three and twelve months.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
How many months of expenses your accessible cash covers, and what the gap to a safe buffer looks like.