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Emergency Fund Calculator

Layer 1 of every financial plan: how much cushion you actually need, split across three liquidity tiers, plus the drag cost of over-cushioning. Hoarding 18 months in savings @ 3.5% while equity compounds at 12% is a quiet wealth-killer.

1 Your Situation

Rent/EMI excluded — track separately below
Debt obligations don't pause in an emergency
Drives the months-of-expenses multiplier
Adds 2 extra months to the cushion if yes
If <₹10L, adds medical buffer to the cushion

2 Your Existing Cushion

Cash + savings + FD + liquid MF combined
Earns ~3.5%
Earns ~6.5%
Earns ~7.5%
For drag-cost / over-cushioning calc
How long over-cushion's opportunity cost compounds
NEXTLEVEL EDUCATION PRIVATE LIMITED AMFI Registered Mutual Fund Distributor & SIF Distributor
Mumbai · Kolkata · Madurai

DisclaimerFor illustrative and educational purposes only. Months-of-cushion multipliers are heuristics — your actual emergency profile depends on industry layoff cycles, family medical history, age, and risk tolerance. Yield assumptions for savings (3.5%), liquid MF (6.5%), and short-debt MF (7.5%) are current-market indicative; actual rates fluctuate. Not financial advice. Consult a SEBI-registered investment advisor.



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See Also

Monthly Budget Planner→If you don't know your monthly outflow precisely, build it bottom-up here first, then come back and plug the number into this calc. Insurance Need + Term vs ULIP→Emergency fund handles short-term shocks. Term insurance handles the catastrophic one. Both are Layer 1, so pair them together. FD vs Mutual Fund→If you're tempted to park the cushion in FDs, this calc shows exactly what you'd give up vs liquid MF.