Emergency Fund Calculator
Emergency Fund Calculator
How much cash cushion do you actually need? Enter your monthly expenses and find out.
3 months12 months
Include all essential monthly costs: rent/EMI, food, utilities, transport, insurance, school fees.
Where to Park Your Emergency Fund
Liquid Mutual Fund
Best balance of returns (6–7%) and accessibility (T+1 withdrawal). IDCW option for faster access.
High-Interest Savings Account
Zero-day liquidity. Lower returns (~4%). Good for 1–2 months portion for instant access.
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Arbitrage Fund
Tax-efficient (equity taxation after 1 year). Returns similar to Liquid Fund. Less immediate.
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Fixed Deposit
Safe but illiquid. Break penalty (0.5–1%) reduces returns. Only use if discipline is needed.
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Physical Cash / Savings Account
No returns. Inflation erodes value. Keep max 1 month here for true emergencies.
What Counts as an Emergency?
✅ Use the fund for:
- • Job loss / sudden income drop
- • Medical emergency not covered by insurance
- • Urgent home repair (roof leak, pipe burst)
- • Family crisis requiring immediate cash
❌ Don't use it for:
- • Planned purchases (phone, car, vacation)
- • Investment "opportunities"
- • Monthly shortfalls (fix your budget instead)
- • Annual expenses you knew were coming
Emergency Fund Set? Now Plan Your Goals.
Emergency fund is the foundation. Now map your bigger financial goals.