How much emergency fund should I keep?

Six months of essential expenses is a common starting point; twelve months if you have a single income, are self-employed or have dependants.

Where should I keep an emergency fund?

Somewhere safe and quick to access, such as a savings account, a sweep-in fixed deposit or a liquid mutual fund that can be redeemed within a working day.

Emergency fund calculator

Seven calculators. Pick a question, move the sliders, get your number.

From "how much SIP do I need?" to "should I prepay my home loan?". Every result is illustrative, at the return you choose.

Financial Health & Resilience

Emergency Fund & Liquid Reserve Cushion Analyzer

Before taking equity market risks, safeguard your family with an inflation-resilient liquid reserve parked in high-safety Overnight and Liquid Mutual Funds.

Monthly Mandatory Living Outflows:

House Rent or Home Loan EMI₹ 30,000/mo

Groceries, Electricity, Bills & Fuel₹ 20,000/mo

School/Tuition Fees & Medical₹ 15,000/mo

Term & Health Insurance Premiums (Monthly)₹ 5,000/mo

Current Savings in Bank / Liquid Funds₹ 1.50 L

₹0₹15 Lakh₹30 Lakh

Monthly Essential Outflows Distribution:

Emergency Readiness ShieldAt Risk

2.1 Months Cushion

Total Monthly Outflow: ₹70,000 / month

Target: 6 Months Recommended35%

3-Month Basic₹ 0

6-Month Optimal₹ 0

12-Month Rock-Solid₹ 0

Where to Park Your Emergency Reserve?

• 50% in Liquid Mutual Funds: Instant T+0 withdrawal up to ₹50,000 via IMPS + higher yield than bank savings.

• 30% in Ultra Short Duration Funds: Earn stable 6.5% - 7.2% with sovereign/AAA paper safety.

• 20% in Savings Bank: Immediate debit card ATM access for acute emergencies.

AMFI Certified Distribution (ARN-337289) • Zero Exit-Load Liquid Funds

Emergency fund calculator: common questions

: Six months of essential expenses is a common starting point; twelve months if you have a single income, are self-employed or have dependants.
: Somewhere safe and quick to access, such as a savings account, a sweep-in fixed deposit or a liquid mutual fund that can be redeemed within a working day.

Target Goal Precision

Instead of arbitrary investing, calculate the exact monthly SIP needed to fund life milestones like a ₹1 Crore home downpayment or child higher education.

Reverse SIP Compounder

Rupee-Cost Averaging

SIP removes the stress of timing market peaks by automatically purchasing more mutual fund units when valuations are lower.

Protects against volatility

The Power of Step-Up SIP

Increasing your monthly investment by just 10% annually with salary hikes can boost your final accumulated corpus by up to 80%.

Accelerated Compounding