Emergency Fund Buffer Calculator

Determine your mandatory liquid cushion to protect against unexpected life shocks.

Monthly Rent / Home Loan EMI₹18,000

Groceries & Food Essentials₹12,000

Insurance Premiums & Other Fixed Obligations₹4,000

Utilities & Medical Reserves₹6,000

Safety Target Buffer

Current Emergency Savings₹1,00,000

Buffer Analysis

Target Emergency Fund (6 Months)

₹2,40,000

Monthly Essential Burn₹40,000

Already Funded42% (2.5 months)

Shortfall to Target₹1,40,000

Achieve 100% funding by saving:

• ₹23,333/mo over 6 months, OR

• ₹11,667/mo over 12 months.

Where to Park It

Keep this money strictly in high-yield liquid funds or auto-sweep fixed deposits. Never lock emergency capital into volatile equities or illiquid real estate.