Emergency Funds Calculator

An emergency fund is a pool of money, usually set aside for unexpected financial issues. Think of it as your personal safety net, not something to grow wealth with, but something that protects you from being forced into debt or distress when life throws a curveball.

We've created this emergency fund calculator to help you estimate how much you should save for an emergency based on your lifestyle in India.

An emergency fund for your needs in India provides financial breathing room. It allows you to stay calm, avoid panic-driven decisions, and stay in control, even in moments of crisis.

Emergencies can take many forms: a sudden job loss, a medical emergency your insurance doesn't fully cover, sudden home repairs, or vehicle restoration. These aren't predictable, but they're very real possibilities.

Without an emergency fund, most people have no option but to borrow at high interest, dip into long-term investments, or delay critical payments.

It will give you a clear idea of how much to save (or invest) to create an emergency fund in India. It helps you stop guessing and start planning to build and invest confidently for the right-sized financial safety net.

No, bigger is better when it comes to emergency funds in India. Adding your real monthly payments to this emergency fund calculator shows how much you'd need to cover expenses for 3 to 6 months if something unfortunate happens, like a job loss or medical emergency.

You can use Fixed Deposits (FDs) for your emergency fund, especially if you prioritise safety and steady returns. FDs offer predictable interest and flexible tenures. Some banks even provide sweep-in FDs that offer liquidity. However, it is important to know that FDs aren't instantly accessible; early withdrawals may come with penalties or lower interest rates. So, talk to a financial advisor and make an informed decision, like parking only a portion of your total emergency funds in FDs