Emergency Fund Calculator
How much to keep aside, the shortfall and the time to build it. Results update as you type.
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Results
Fill in the details above and the results appear here.
About the Emergency Fund Calculator
Work out how much to keep aside for emergencies from your essential monthly expenses and your situation, how much you are short, and how long it will take to build. Choose a typical cover period or set your own number of months.
Essential expenses mean the money you must spend even if your income stops.
Choose your currency (₹, $, €, £ and more) and every amount updates. The calculation runs in your browser, so the numbers you enter are not uploaded.
Emergency Fund Calculator example
Essential expenses per month: 45000
Your situation: One income or dependants: 6 months
Or set your own months of cover: 8
Already set aside: 120000
You can add per month: 10000Emergency fund target: ₹3,60,000
Already set aside: ₹1,20,000
Shortfall: ₹2,40,000
Time to build it: 2 yearsHow it is calculated
The target is essential monthly expenses × months of cover. The shortfall is the target minus what you have set aside, and the time to build it is the shortfall divided by what you can add each month.
Target = essential monthly expenses × months of coverShortfall = target − already set asideMonths to build = shortfall ÷ monthly saving
What to enter
- Essential expenses per month. Rent, food, bills, EMIs, insurance and school fees. Leave out wants.
How to use the Emergency Fund Calculator
- Fill in the fields above. Required fields are marked, optional ones can be left blank and fall back to the defaults described on this page.
- Use “Try an example” to see a worked case, then replace the numbers with your own.
- Read the results as you type. The large card is the main answer and the smaller cards are the related figures.
- Copy a single value or everything, or share a link that keeps your inputs.
Emergency Fund Calculator FAQ
How does the emergency fund calculator work?
The target is essential monthly expenses × months of cover. The shortfall is the target minus what you have set aside, and the time to build it is the shortfall divided by what you can add each month.
How many months should an emergency fund cover?
A common range is 3 to 6 months of essential spending. People with variable income, dependants or a single earner often aim for 9–12 months.
Where should the money be kept?
Somewhere safe and easy to reach, such as a savings account or liquid fund, rather than in risky or locked-in investments.
Is this emergency fund calculator free and private?
Yes. It is free with no sign-up, and the calculation happens on your device, so your numbers are never sent to a server.
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