WealthWallahYour dashboard

EMERGENCY FUND

How long could you manage without income?

Adjust the two numbers to see your runway. The first values are illustrative estimates; nothing is saved until you choose to run the simulation.

Your inputs

Your runway

2.0 months

This is liquid savings divided by your essential monthly expenses.

Six-month target
₹3,00,000
Gap to target
₹2,00,000
Save monthly to close it in 12 months
₹16,667

This estimate assumes no investment return or changes in expenses over the next year.

PLAIN-LANGUAGE GUIDE

Emergency fund calculator for India

Estimate how many months your liquid savings can cover and compare the result with a six-month safety target. Use essential monthly expenses rather than your full lifestyle budget.

  • Include rent or EMI, groceries, utilities, insurance and unavoidable family costs.
  • Count only cash and liquid savings you could access quickly.
  • Recheck the target when your household costs or income change.

Read the formulas, defaults and limitations before using an illustration for a real decision.