Finance
Emergency Fund Calculator
Calculate your emergency fund target and track progress. Months of expenses covered. Free calculator.
In this article
How Much
Salaried: 3-6 months expenses। Self-employed: 6-12 months। ₹30K expenses: ₹90K-1.8L target। Start with ₹50,000 — covers 80% emergencies। Sweep FD or liquid MF: earn interest while maintaining access।
Where
Savings account (instant): first ₹50K। Sweep FD: auto-converts excess to FD। Liquid MF: 1-day redemption, better returns than savings。
⚡ CalcWolf Insight
A 2024 Federal Reserve survey found 37% of Americans cannot cover a $400 emergency without borrowing. Even a $1,000 starter fund puts you ahead of more than one-third of the country.
Frequently asked questions
How many months?▾
Salaried: 3-6। Freelance: 6-12। Start with ₹50K。
Where park?▾
Sweep FD or liquid MF. NOT equity (can crash when you need it)。
✓ Math logic verified against primary sources
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