Emergency Fund Calculator
Build a safety net before you invest for growth.
Your details
₹
₹5,000₹10,00,000
₹
₹0₹5,00,000
months
3 months12 months
₹
₹0₹1,00,00,000
₹
₹0₹5,00,000
Emergency fund needed
₹3,00,000
Shortfall
₹2,00,000
Months covered today
2.0
Time to build
14 months
- Emergency savings
- Target
Your next step
Turn this projection into a plan.
A free, no-obligation review with Aman Sehgal, CFP — your result is shared so we can prepare.
Planning milestones
- 1Keep the fund in liquid, low-risk options (savings account, liquid / overnight funds)
- 2Replenish immediately after any withdrawal
- 3Review cover when expenses or EMIs change
Assumptions
- Cover = (monthly expenses + EMIs) × months of cover.
- Savings growth is ignored for prudence.
Illustrative only. Projections use the assumptions shown and are not guaranteed. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. These tools are educational and are not personalised investment advice. Unnati Investments is an AMFI-registered mutual fund distributor (ARN-302589).