Where should I keep my emergency fund?

In a savings account, sweep-in fixed deposit or liquid fund — somewhere you can reach within a day or two. Not in equity, and not in anything with a lock-in.

Should I build the emergency fund before investing?

Build it alongside insurance and before long-term investing. Without it, the first setback forces you to sell investments at the worst time or borrow expensively.

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Emergency Fund Calculator

An emergency fund is what keeps your investments invested when income stops. This calculator sizes it from your monthly outgo, including EMIs.

Emergency Fund

A safety net for job loss, medical or family emergencies.

Blank gray fields need your amounts. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Monthly expenses₹Monthly EMIs₹Months of expensesmonths

Fund needed: ₹0
Monthly outgo covered: ₹0

Keep it in a savings account, sweep-in FD or liquid fund — not in equity.

How to use this calculator

Add up essential monthly expenses — not discretionary spending.
Include every EMI, since loans do not pause when income does.
Six months is a common target; keep nine to twelve if income is variable.

Frequently asked questions

Where should I keep my emergency fund?: In a savings account, sweep-in fixed deposit or liquid fund — somewhere you can reach within a day or two. Not in equity, and not in anything with a lock-in.
Should I build the emergency fund before investing?: Build it alongside insurance and before long-term investing. Without it, the first setback forces you to sell investments at the worst time or borrow expensively.

Turn this number into an actual roadmap

A calculator gives you a target. Getting there needs the right asset mix, insurance in place first, and a review every six months. The first consultation is free.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.