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Emergency Fund Calculator
One unexpected expense and your budget breaks. Find out if you have enough buffer — and how to build one.
Calculate My BudgetHow Much Emergency Fund Do You Need?
The standard advice: 3-6 months of essential expenses. Not 3-6 months of salary — just the essentials (rent, food, transport, EMIs, utilities). If your essentials are ₹30,000/month, your target emergency fund is ₹90,000-₹1,80,000.
This calculator takes your actual expense data and shows your emergency buffer in months. A battery visualization makes it visceral: 1 bar = "one expense away from broke," 5 bars = "comfortable cushion."
Why Most Indians Have Zero Emergency Buffer
A 2023 survey by Finology found that 63% of Indian salaried professionals cannot cover a ₹50,000 emergency without borrowing. The reasons: lifestyle creep absorbs every raise, EMIs lock up cash flow, and "I'll save next month" becomes a permanent delay.
The fix isn't dramatic — it's ₹200/day into a liquid fund. That builds ₹6,000/month, ₹72,000/year. In 18 months, you have a 3-month emergency fund. The daily budget calculator protects this ₹200 by baking it into your daily limit.
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