Be Free With Finance
Not six months because someone said six months. A number based on what you genuinely spend and how long you'd take to replace your income.
Fill in what you spend, and we'll work out the number you're aiming at.
Only the costs that don't stop if your income does. Leave anything blank if it doesn't apply.
Essentials
Can be paused in an emergency
Essential
Can be paused
Rent, food, utilities, EMIs, insurance, family support.
Be honest rather than optimistic. Senior roles and narrow fields take longer.
Savings account, FDs, liquid funds. Not long-term investments you wouldn't want to sell.
Your emergency fund target
₹0
Fill in your essentials above to see your number.
The flat line is your target today. The rising line is what the same lifestyle costs to cover later.
Target = essential monthly expenses × months to replace your income. Nothing more complicated than that.
Only essentials count. Eating out, shopping, subscriptions and holidays are left out — in a real emergency those are the first to go.
EMIs count as essential, because lenders still expect payment when your income stops. Some loans can be restructured or paused if you ask early, which would lower the number — worth knowing before you need it.
Time to target assumes a steady monthly contribution and ignores any interest earned, which makes it slightly conservative.
The idle-cash figure compares a typical 7% fixed deposit after 30% tax against your chosen inflation rate. A rough guide, not a forecast.