Emergency Fund Calculator
Monthly Expenses
₹
Include EMIs, rent, groceries, utilities — all essential outflows
Employment Type
Personal Health Insurance?
+2 months buffer if no cover
Current Emergency Savings
₹
Money in savings account / liquid FD earmarked for emergencies
Emergency Fund Target
₹3,50,000
7 months of expenses (+2 months — no health insurance)
Current Coverage
0 months
Gap to Target
3.50 L
Coverage Progress
⚠️ Build towards 7 months. RBI FSR: most households have <2 months.
📌 Peer Context
Most Indian households hold less than 2 months of emergency buffer (RBI Financial Stability Report). For Mid-size company, the recommended minimum is 5 months.