How much to keep in an emergency fund, based on your monthly expenses.
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An emergency fund is money set aside for job loss, medical bills or urgent repairs. Financial planners usually suggest three to six months of expenses, more if your income is uncertain.
Enter your monthly expenses to see the minimum (3 months), a recommended target (4.5 months) and the upper end (6 months).
| Essential Monthly Expenses | ₹45,000 |
| Recommended emergency fund (6 months) | ₹2.7 lakh |
| Minimum (3 months) | ₹1.35 lakh |
| Middle target (4.5 months) | ₹2.03 lakh |
| For self-employed / single income (9–12 months) | ₹4.05 lakh – ₹5.4 lakh |
| Save it in 12 months | ₹22,500 a month |
| Save it in 24 months | ₹11,250 a month |
Recommended fund ₹2.7 lakh; minimum ₹1.35 lakh.
| Essential Monthly Expenses | ₹25,000 |
| Recommended emergency fund (6 months) | ₹1.5 lakh |
| Minimum (3 months) | ₹75,000 |
| Middle target (4.5 months) | ₹1.13 lakh |
| For self-employed / single income (9–12 months) | ₹2.25 lakh – ₹3 lakh |
| Save it in 12 months | ₹12,500 a month |
| Save it in 24 months | ₹6,250 a month |
Recommended fund ₹1.5 lakh; save ₹12,500 a month to build it in a year.
In a savings account, liquid fund or short-term deposit, somewhere safe that you can reach within a day.
Yes. Include every payment you must keep making if your income stops.
If you are self-employed, are the only earner or have dependants, the higher end is safer.
At least 3 months of essential expenses, ideally 6 months; 9–12 months if you are self-employed or the only earner.