Emergency Fund Planner
Size your safety net from your real risks — job stability, dependants, EMIs, health cover — not a generic number. See your target, your gap, a plan to get there, and where to keep it. Private to your browser.
A planner for figures you enter. Estimates, not advice. Stays in your browser.
₹6.75 L
9 months of expenses
₹2.50 L
3.3 months covered
₹4.25 L
29 months at ₹15,000/mo
₹75,000
essential expenses + EMIs
Your situation
Why 9 months
- Baseline buffer6 mo base
- Some job risk0 mo
- Salaried income0 mo
- Single earner+1 mo
- 2 dependants+1 mo
- Monthly EMIs to cover+0.7 mo
- Basic health cover+0.5 mo
We start at 6 months and adjust for your risks. Range: 3–12 months.
Your fund range
Minimum
₹2.25 L
3 mo
Recommended
₹6.75 L
9 mo
Comfortable
₹9.00 L
12 mo
Where you stand
- 3-month income gapCovered
- 6-month income gapShort
- 9-month income gapShort
- 12-month income gapShort
How to hold it
Total
₹6.75 L
- Instant access (cash / bank)11%
- Savings account22%
- Sweep FD / liquid fund67%
- Instant access (cash / bank)for the first few days₹75,000
- Savings accountsame-day access₹1.50 L
- Sweep FD / liquid fund1–2 day access, better returns₹4.50 L
This keeps the whole fund in liquid, low-risk places.
Open a zero-balance savings account online
A fully digital Kotak811 savings account — no minimum balance, opened from your phone in minutes. Kotak811, at no extra cost to you.
Keep your emergency fund liquid — a high-rate savings or sweep account works well.
Not financial advice. A rule-of-thumb emergency fund built from the expenses and risks you enter — sizing is a guide, not a guarantee. Keep the fund liquid and easy to reach. Your data stays in this browser.
Open a zero-balance savings account online
A fully digital Kotak811 savings account — no minimum balance, opened from your phone in minutes. · Kotak811, at no extra cost to you.