Emergency Fund Planner Survival Calculator
If you lost your income today, how long could you survive? Find out — then fix it.
Your Financial Situation
Survival Analysis
Current Survival Time
📅 Your Savings Plan
Emergency Fund Benchmarks
💡 What This Means
Add your expenses to see your survival analysis.
Frequently Asked Questions
How much emergency fund do I need in India?
Standard advice is 3–6 months of essential expenses. For salaried employees in stable jobs, 3–4 months may suffice. Freelancers, business owners, or those in volatile industries should target 9–12 months. In India, given notice periods and job market recovery times, 6 months is the recommended minimum.
Where should I keep my emergency fund?
Keep emergency funds in high-liquidity, low-risk instruments: savings accounts (4–7% in India), liquid mutual funds (same-day redemption), or short-term FDs. Avoid locking it in equity, PPF, or real estate — the whole point is instant access.
Should emergency fund include investments?
No. Emergency fund should be in cash or cash-equivalent instruments only. Investments can fluctuate — your emergency fund must be stable and instantly accessible, even on a weekend or market holiday.
How do I build an emergency fund fast?
1) Set a fixed monthly auto-transfer to a dedicated savings account. 2) Redirect any windfalls (bonuses, tax refunds) entirely to the fund. 3) Cut one subscription or discretionary expense per month. 4) Use our Subscription Waste Calculator to find hidden savings.