Emergency Fund Calculator
The first thing you should build before any long-term investment. 6–12 months of essentials, held in liquid instruments.
What you'd spend in bare-minimum months
6 is standard; 12 if income is variable / single earner
FD, liquid MF, savings — money you can access in 24-48 hours
Park this fund somewhere it still earns while staying liquid.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
A quick sizing calculator for how much you should keep in liquid, easily-accessible savings before investing anything else — based on your actual monthly expenses, not an arbitrary round number.
Target fund = monthly expenses × number of months of buffer you want, minus whatever you've already set aside. The standard guidance is 6 months of expenses for a salaried professional with reasonably stable income; single-income households, freelancers, or anyone in a volatile industry are often better served by 9–12 months.
At ₹60,000/month expenses with a 6-month target and ₹2L already saved, you need roughly ₹1.6L more to hit the full buffer — a concrete, checkable number instead of a vague 'save more' intention.
Where should the emergency fund actually sit?▾
Somewhere genuinely liquid and low-risk — a savings account, a liquid mutual fund, or a sweep-in FD. The whole point is being able to access it within a day or two without penalty or market-timing risk, which rules out equity, long-tenure FDs, and anything with a lock-in.
Should I build the emergency fund before starting SIPs?▾
Generally yes, or at least in parallel — an underfunded emergency reserve often forces people to break a long-term investment or take on high-interest debt when something unexpected happens, which usually costs more than the SIP gains would have been worth.