Emergency fund calculator: how much should you keep aside?
An emergency fund covers 3 to 12 months of essential expenses so a job loss or medical bill does not force you to sell investments or borrow.
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₹5K₹5L
months
312
₹
₹0₹50L
Emergency fund needed—
Still to build—
Monthly saving to fill it in 1 year—
For illustration only, at the rates you enter. Actual results will differ.
Get a free planHow it is calculated
Needed = monthly essential expenses × months to cover. Self-employed people, single-income families and those with dependants usually aim for the higher end (6–12 months).
Keep it where it is safe and quick to access, such as a savings account, a sweep-in FD or a liquid fund.
Common questions
Where should I keep my emergency fund?
Somewhere safe and easy to withdraw: a savings account, sweep-in FD or a liquid / overnight mutual fund.
Should I invest my emergency fund in equity?
No. Equity can fall just when you need the money.
Does health insurance replace an emergency fund?
No, but it reduces how much you need for medical emergencies. You need both.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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