Emergency Fund Calculator
Find out how many months of expenses your current savings would cover.
Target fund amount
₹3,00,000
Months currently covered
3.0 months
Shortfall
₹1,50,000
Months to reach target
15 months
Your savings currently cover 3.0 months of expenses. You need ₹1,50,000 more to reach a 6-month cushion — about 15 months away at your current contribution rate.
How this calculator works
An emergency fund is money set aside to cover essential expenses during a job loss, medical emergency, or other unexpected disruption — sized as a multiple of your monthly essential expenses: Target Amount = Monthly Expenses × Target Months.
Worked example: with ₹50,000 in monthly essential expenses and a 6-month target, you need ₹3,00,000 saved. Starting from ₹1,50,000 already saved (3 months covered), a ₹10,000/month contribution closes the ₹1,50,000 shortfall in about 15 months.