Free tool

Emergency Fund Calculator

An emergency fund is the difference between a bad month and a broken decade. Enter three numbers and see exactly where your household stands.

Monthly household expensesRent/EMI, groceries, school fees, utilities, transport — everything you must pay.

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Existing emergency savingsOnly money you can access within 48 hours — savings account, liquid funds, FDs.

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Number of earning members

We recommend 9 months of expenses for a single-earner household.

Also try the Net Worth Calculator.