Financial Safety Buffer
Emergency Fund Calculator
Determine your required emergency cash reserves to handle sudden medical expenses, family contingencies, or job loss.
₹
₹10,000₹50 Thousand₹5,00,000
₹
₹0₹1.50 Lakh₹50,00,000
Mo
3 Mo36 Mo
Keep emergency funds in liquid, capital-safe instruments like sweep-in FDs, liquid mutual funds, or savings accounts.
Buffer Comparison Across Cover Durations
| Cover Duration | Required Buffer | Funding Status | Monthly Savings (12 mo) |
|---|---|---|---|
| 3 Months | ₹1,50,000 | Fully Covered | ₹0 |
| 6 Months | ₹3,00,000 | Shortfall: ₹1,50,000 | ₹12,500 |
| 9 Months | ₹4,50,000 | Shortfall: ₹3,00,000 | ₹25,000 |
| 12 Months | ₹6,00,000 | Shortfall: ₹4,50,000 | ₹37,500 |
Recommended Emergency Buffer
₹3,00,000
6 months of essential living expenses (₹50,000/mo)
Current Liquid Savings₹1,50,000
Buffer Shortfall₹1,50,000
Monthly Savings Target₹12,500to reach goal in 12 months
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Frequently Asked Questions
How many months of expenses should be in an emergency fund?
Financial planners in India generally suggest 3 to 6 months of essential living expenses for salaried employees with stable jobs, and 9 to 12 months for freelancers or business owners.
Where should I keep my emergency fund?
Park your emergency fund in high-liquidity, low-risk instruments such as bank savings accounts, sweep-in fixed deposits, or liquid mutual funds.