Emergency Fund Planning
Emergency Fund Calculator
Build a robust emergency fund to protect your family from unexpected financial challenges
Your Financial Profile
₹20,000₹3,00,000
06
₹0₹20L
Emergency Fund Analysis
Recommended Emergency Fund
₹6.8L
9 months of expenses
Current Progress30%
₹2.0L saved₹6.8L target
To Complete Your Fund
₹79,167
Monthly savings for 6 months
Shortfall₹4.8L
Job Stability FactorModerate
Risk ProfileModerate
Recommended Fund Allocation
Savings Account
25%Amount
₹1.7L
Returns
3.5%
Liquidity
Immediate
Liquid Funds
40%Amount
₹2.7L
Returns
4.5%
Liquidity
1-2 days
Short-term FDs
20%Amount
₹1.4L
Returns
7%
Liquidity
3-6 months
Debt Funds
15%Amount
₹1.0L
Returns
6%
Liquidity
2-3 days
Emergency Scenario Coverage
Job Loss
100%
Duration6-12 months
Required Amount₹6.0L
Medical Emergency
100%
Duration1-3 months
Required Amount₹3.5L
Major Repair
100%
Duration1 month
Required Amount₹1.8L
Business Loss
100%
Duration3-6 months
Required Amount₹3.0L
🛡️ Emergency Fund Best Practices
Automate Savings
Set up automatic transfers to your emergency fund account
Separate Account
Keep emergency funds in a separate, easily accessible account
Gradual Building
Start with 1 month, then gradually build to full target
Regular Review
Review and adjust target based on lifestyle changes
True Emergencies Only
Use only for genuine emergencies, not for planned expenses
Replenish Quickly
If used, prioritize replenishing the fund immediately