Emergency Fund Calculator
Find your emergency fund target and how long it will take to reach it.
Assumptions used in this calculation
- Expense basis: The target is based on essential (must-pay) monthly expenses only, using your full monthly spend instead would inflate the fund unnecessarily.
- Coverage guideline: This calculator doesn't apply a default months-of-coverage figure, you set it directly, 3-6 months is a common starting point for stable income, more for variable income.
About this calculator
The emergency fund calculator finds your target emergency savings based on months of expense coverage, and how long it will take to reach that target given your current savings and monthly contribution.
Worked example
₹50,000/month, 6 months coverage
Result: ₹3,00,000 target
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