Emergency Fund Planner
How much cash should I keep aside?
Premium
Emergency Fund Planner is part of the paid plan
This one reads your actual position rather than projecting a single instrument, which is where the paid product starts. The free calculators below cover projections, loans and deposits in full — no signup, no limits.
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.