Emergency Fund Calculator
Monthly Survival Expenses
₹40,000
Buffer Months
6 Months
Safety Net₹2,40,000
Survival Cost
Buffer Surplus
Total Fund Required₹2,40,000
Monthly Burn Rate₹40,000
Daily Survival Cost₹1,333
Safety Window6 Months
The Emergency Ladder
An emergency fund is your financial "airbag." How much air you need depends on your risk profile:
3 Months: The Starter
Best for young individuals with stable corporate jobs and no dependents.
6 Months: The Gold Standard
The ideal peace-of-mind buffer for families with home loans or children.
12 Months: The Fortress
Mandatory for freelancers, business owners, or single-income households.
Where to keep it?
Liquidity is king. Keep this in a separate savings account or a Liquid Mutual Fund where you can access it within 24 hours.