Emergency Fund Calculator
Find your safe cash buffer in minutes — free, no sign-up required.
Rent, groceries, EMIs, utilities — what you'd spend even without income.
Liquid cash or savings you can tap quickly.
Risk Factors — Toggle What Applies
Recommended Fund
₹90.0K
Covers 3 months of your essentials of ₹30.0K/mo
Minimum
₹90.0K
3 months
Conservative
₹1.8L
6 months
Your Target
₹90.0K
3 months
Time to Goal
1y 6m
Per Day
₹167
Smart Insights
No emergency savings yet. Start small — even ₹1,000/month builds the habit.
Saving ₹5.0K/month, you'll reach your goal in ~1 yr 6 mo.
Park your fund in a liquid instrument — a high-interest savings account or liquid mutual fund — so it's available within 1–2 days.
Next Step
Track your expenses to know what you really need.
Nami categorises your spending so you can size your emergency fund with confidence.
This is a planning aid. Adjust based on your own comfort, dependents, and obligations.