Emergency Fund Calculator

A commonly recommended range is 3-6 months of expenses, though those with variable income or dependents may want more — this calculator lets you test any number of months you choose.

It illustrates that parking your emergency fund in a liquid mutual fund (rather than letting it sit idle) can earn some return while still remaining easily accessible — the growth figure shown assumes the rate you enter over the coverage period.

Generally no — an emergency fund's priority is liquidity and safety, not growth, since you may need to access it on short notice. This calculator models it as sitting in a liquid fund or savings-type instrument at a modest rate, not equity.

Use your essential recurring monthly expenses (rent/EMI, food, utilities, insurance, etc.) rather than your total income, since the fund's purpose is to cover necessary costs during a loss of income.

Yes — as your expenses grow over time, revisit the calculation periodically and top up the fund so it keeps pace with your current cost of living.