🅽 Free Calculator · Personalized

Your Emergency Fund Target

Get a personalized emergency fund recommendation based on your job, dependents, expenses, and risk profile — in under 60 seconds.

📈 Monthly Expenses
Employment Type
👑 Govt / PSU 3–4 months cover
💰 Corporate Salaried 4–6 months cover
💰 Startup / MNC 6–9 months cover
💰 Freelance / Contract 9–12 months cover
💰 Business Owner 9–15 months cover
💰 Gig / Informal 12–18 months cover
Dependents
Risk Comfort
🔴 Conservative Max buffer, peace of mind
🔴 Balanced Standard recommendation
🔴 Aggressive Lean buffer, invest rest
Current Emergency Savings
💰
Fill in your profile to see
your personalized emergency fund target
🅽 Your Emergency Fund Target
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—
— months of coverage
📊 Current Status
Building Emergency Fund 0%
₹0 saved —
Still need to save
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—
Total Monthly Expenses
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All categories
Coverage Period
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Based on your profile
Monthly Savings Needed
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To build in 12 months
💲 Fund Breakdown
Category Monthly Fund Target
📋 3-Phase Build Plan
🏠 Where to Keep Your Emergency Fund
Liquid Mutual Fund ★ Best
Instant redemption, higher returns than savings accounts, no exit load on most.
~6.5–7.5% p.a.
High-Yield Savings Account Liquid
Instant access, DICGC insured up to ₹5L. Best for Tier-1 emergency cash.
~3.5–5% p.a.
Flexi / Sweep FD Good
FD linked to savings account — earns FD rate, withdrawable anytime.
~6–7% p.a.
Overnight Fund Very Liquid
Safest debt fund — lowest risk, redeems next business day.
~6–6.5% p.a.
💡 Personalized Insights
🔄 What-If Scenarios
Save More Per Month
₹5k
Fund Built In —
Reduce Expenses By
0%
New Fund Target —
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