Emergency Fund Sizer
How much buffer do I actually need?
Size your buffer against what actually leaves your account each month, how many people depend on you, and how reliably your income arrives — rather than a generic six months.
Your situation
Income type
Your target
₹3.5L
7 months of outflow
Time to build
18 mo
at ₹20,000/month
Six-month rule says
₹3L
₹50,000 too low for you
Stable salary needs the standard buffer, and 1 dependent extend how long you must cover.
7 months of cover
Where it should sit
Savings account
Instant, at 11pm on a Sunday. Yield is irrelevant for this slice.
Sweep-in fixed deposit
FD returns with savings-account behaviour, reversing automatically on withdrawal.
Liquid fund
Next-working-day redemption, better return, and useful friction against casual spending.
What this tool does not model
- ·Returns on the parked money are ignored. An emergency fund is sized for availability, not growth.
- ·The suggested runway is a considered starting point, not a regulatory standard.
- ·Health insurance is assumed separately. A large medical event should not be funded from this buffer alone.
Before you act on any of this
WealthSense publishes financial education, not financial advice. We are not a SEBI-registered investment adviser and nothing here is a recommendation to buy or sell any security. Every calculator uses an assumed rate of return that is illustrative only — real returns vary and can be negative. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Tax figures follow published slabs for the current financial year and ignore surcharge and individual circumstances. Please consult a qualified adviser before making decisions with your money.