Emergency Fund Calculator

Unexpected expenses such as medical emergencies, job loss, or urgent repairs can disrupt finances if you are not prepared. An emergency fund acts as a financial cushion, helping you handle such situations without borrowing or selling investments at the wrong time.

This emergency fund calculator helps you estimate how much money you should keep aside based on your monthly expenses and desired safety period. It gives a practical target so you can build your emergency savings gradually and stay financially secure.

This calculator is useful for
• salaried employees
• freelancers and self-employed professionals
• families planning financial safety
• anyone starting disciplined saving habits

A common recommendation is to maintain at least 6 months of essential expenses as an emergency fund. Freelancers or single-income families may consider a higher buffer. To manage monthly expenses better, use our Monthly Budget Calculator.

CONCLUSION

An emergency fund is the foundation of strong personal finance. It protects you from financial stress during uncertain times and prevents dependence on high-interest loans or credit cards.You can also track overall financial health using our Net Worth Calculator.

This emergency fund calculator gives you a clear savings target so you can build your safety net step by step. Start small, keep the fund liquid, and review it periodically as your expenses change.Basic financial preparedness and savings concepts are explained by the Reserve Bank of India (RBI).

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Want to plan your money better? Download our free toolkit with Budget Planner, Emergency Fund checklist, Tax Saving guide (80C + HRA), and debt control tips.

Bullet list

• Monthly Budget Planner
• Emergency Fund Checklist
• Tax Saving Checklist (80C + HRA)
• Debt reduction mini plan

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