Calculate your recommended emergency buffer fund to protect against job loss or medical crises.
Result
Store emergency funds in high-liquidity accounts with instant redemption capability.
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Emergency Fund = (Rent + Utilities + Groceries + EMIs + Insurance) × Target Months
₹25k rent, ₹15k food, ₹5k bills, ₹10k loans (₹55,000/month essential expenses).
6-Month Target (Standard): ₹3,30,000 | 3-Month: ₹1,65,000 | 12-Month: ₹6,60,000.
Calculate how much money you need to save every month to reach your financial target.
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Open calculatorSalaried individuals with stable jobs should keep 3 to 6 months of expenses. Self-employed professionals, freelancers, or single-earner households should aim for 9 to 12 months.
Split it between high-interest savings accounts and sweep-in fixed deposits (FDs) or liquid mutual funds for instant access within 24 hours.
An emergency fund prevents you from liquidating long-term equity investments or taking predatory high-interest loans during unforeseen disruptions like medical emergencies or sudden unemployment.