Emergency Fund Calculator

Find your target emergency savings size. Calculate fixed rent, utilities, food, and variable medical coverages.

Parameters
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₹
₹
Yrs
Calculated Results
Total Contingency Fund -
Total Monthly Expense -
Allocation: Liquid Cash (30%) -
Visual Projection
Cash/Savings
Liquid/Arbitrage
Short-Term FD
Yearly Breakdowns
CategoryMonthly ExpenseCoverage (Months)Target AllocationRecommended AllocationSizing Value
           
           
           
           
           
           

The Contingency Nest Egg

An emergency fund provides safety against job loss, medical emergencies, or unexpected capital bills. Having 3 to 12 months is standard.

Formula & Mathematical Approach

Sizer for a liquid contingency fund to cover unexpected expenses.

Target Emergency Fund=Monthly Expenses×Coverage Months\text{Target Emergency Fund} = \text{Monthly Expenses} \times \text{Coverage Months}
Show Plain Text / Excel Formula 
Target Emergency Fund = Monthly Expenses * Coverage Months

Key Assumptions

  • Funds are held in highly liquid, low-risk accounts (savings, liquid funds).
  • Monthly expenses include all mandatory living costs.