Back to All Tools

Emergency Fund Calculator

₹ INR

Press Enter to calculate

Target Fund

₹2,86,000

Including 6% inflation

Shortfall / Surplus

−₹1,96,000

You need this much more

You need ₹1,96,000 more to be safe.

Detailed Breakdown
All values are in today's rupees except the final target which includes inflation.

Financial Safety Tips

  • Keep emergency fund in liquid savings account or liquid FD.
  • Do not invest in stocks, mutual funds, or gold.
  • Review every 6 months — expenses change with lifestyle.
  • Build it gradually: Save ₹5,000–10,000/month.
  • Use 50-30-20 rule: 20% of income → savings & emergency fund.