Emergency fund calculator
Find out exactly how big your safety net should be, based on your real monthly expenses.
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Your target emergency fund
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How this is calculated
An emergency fund should cover your essential expenses — rent, food, utilities, EMIs — if your income stopped tomorrow. It's not meant to cover discretionary spending.
Emergency Fund = Monthly Expenses × Months of Cover
Example: if your essentials cost ₹35,000/month and you want 6 months of cover, you'd need ₹2,10,000 saved.
Tips to build it faster
- Start with a smaller milestone, like one month's expenses, before aiming for six.
- Keep it in a separate account so you're not tempted to dip into it.
- Automate a fixed transfer every payday until you hit your target.
- Top it back up immediately after any withdrawal.
Frequently asked questions
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