Emergency Fund Calculator
How much emergency money to keep for your expenses and EMIs, how much you're short and how fast you can close the gap.
How to use the Emergency Fund calculator
- Enter monthly essential expenses, monthly EMIs, months to cover, already set aside and you can add each month.
- Read the emergency fund target at the top of the result, with still needed, time to build it underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
An emergency fund covers essentials and EMIs if income stops. Keep it in a savings account, sweep FD or liquid fund you can reach within a day.
Worked example
With monthly essential expenses of ₹40,000, monthly emis of ₹15,000, months to cover of 6, already set aside of ₹1,00,000 and you can add each month of ₹10,000:
| Emergency fund target | ₹3,30,000 |
| Still needed | ₹2,30,000 |
| Time to build it | 1 yr 11 mo |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How many months of expenses should an emergency fund cover?
Three to six months for most salaried people; six to twelve if income is irregular or you support dependants.
Where should I keep an emergency fund?
Somewhere safe and quick to access: savings account, sweep-in FD or a liquid mutual fund.