Planning
Emergency Fund Target Calculator
Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.
SIP (Systematic Investment Plan)
Monthly compounding in Equity & Hybrid Mutual Funds
Monthly Investment Amount₹10,000
Expected Annual Returns (CAGR)12.0%
Time Horizon15 Years
Invested Amount
₹18,00,000
Wealth Gained
₹32,45,760
Total Corpus
₹50,45,760
Mathematical Formula & Calculation Engine
Emergency Fund = Total Essential Monthly Expenses × Target Buffer Months (3 to 6 months).
Reserve = (Rent + Food + Utilities + EMIs + Insurance/12) × Months
Why Use the Emergency Fund?
Protects long-term SIPs from distress redemptions
Provides mental peace during job loss or medical crises
Helps allocate emergency funds between liquid funds and sweep-in FDs
Emergency Fund FAQs
Park 30% in a savings bank account with sweep-in FD facility for instant ATM access, and 70% in direct Liquid Mutual Funds offering same-day instant redemption.
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