🎲 Fun & Lifestyle
Emergency Fund Calculator
3-12 months of expenses — your financial life raft.
Enter values to see your result
Frequently asked questions
3, 6, or 12 months?
3 for dual-income stable jobs. 6 for typical. 9 for 1 child. 12+ for variable income (freelance, commission, business).
Where to park it?
Liquid mutual fund (5–6% returns, 1-day redemption). Or sweep-in FD (FD-like returns with savings-account liquidity). Not equity.
Is credit card a backup?
No — credit card is debt, not emergency fund. Cashflow still exists. It's a secondary cushion at best.
Use emergency fund for what?
Job loss, medical emergency, urgent home repairs. NOT for vacations, festivals, gifts — those are planned expenses.