Measure Liquid reserves
- Current estimate
- ₹0
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Household resilience
Emergency Fund Calculator
Use a range shaped by your household commitments rather than treating six months as a universal answer.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
Describe your safety margin
Results update when an input changes. Review the key figures, projection and assumptions below.
- Illustrative reserve range
- ₹2,25,000 – ₹5,25,000
- 3 to 7 months of essential outflow
- Essential monthly outflow
- ₹75,000
- Liquid reserves
- ₹0
- 0 months covered
- Upper-range shortfall
- ₹5,25,000
Current liquid reserves are shown against the minimum and upper resilience targets.
- Reserve-building zone
- Illustrative resilience range
- Current liquid reserves
Reserve position
- Liquid reserves
- ₹0
- Months covered
- 0 months
- Minimum target
- ₹2,25,000
- Upper target
- ₹5,25,000
- Minimum shortfall
- ₹2,25,000
- Upper shortfall
- ₹5,25,000
Review the reserve marker against both target bands.
View full projection table| Measure | Current estimate |
|---|---|
| Liquid reserves | ₹0 |
| Minimum target | ₹2,25,000 |
| Upper target | ₹5,25,000 |
| Months covered | 0 months |
| Minimum shortfall | ₹2,25,000 |
| Upper shortfall | ₹5,25,000 |
Measure Minimum target
- Current estimate
- ₹2,25,000
Measure Upper target
- Current estimate
- ₹5,25,000
Measure Months covered
- Current estimate
- 0 months
Measure Minimum shortfall
- Current estimate
- ₹2,25,000
Measure Upper shortfall
- Current estimate
- ₹5,25,000
This range describes liquidity resilience; it does not recommend a
bank account, fund or insurance product. Prioritize capital access and
safety when deciding where reserves belong.
Formula and assumptions
Formula: Essential monthly expenses plus EMIs, multiplied by an illustrative buffer range, less existing liquid reserves.
- Stable income starts at 3–6 months, variable income at 6–9, and irregular income at 9–12.
- Dependants and missing protection increase only the upper end of the range.
- Insurance claims and investment redemptions may not be immediately available during an emergency.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version emergency-3
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