Emergency Fund Calculator
Find how much cash buffer you should keep for job loss, medical surprises, EMIs, rent, and family responsibilities.
Private by default. Runs in your browser.
Build your safety net
Add monthly commitments and risk signals. PayVerdict will estimate a practical cash buffer.
Private by default. Your emergency fund inputs stay in this browser session.
Recommended emergency fund
₹10.2L
Based on 12 months of committed expenses.
Verdict
Your buffer is thin for this risk profile. Build toward 12 months before taking bigger financial risks.
Current coverage
2.4 months
Shortfall
₹8.2L
Timeline
33 mo
Monthly commitments
₹85,000
Planning range
Minimum
₹8.5L
Recommended
₹10.2L
Comfort
₹12.8L
Monthly saving plan
Save ₹25,000/month to reach the recommended fund in about 33 months.
What to do next
Keep this money in liquid, low-risk places before investing aggressively or prepaying extra debt.
Why PayVerdict suggests this buffer
Dependents increase the recommended buffer.
Less predictable job stability needs more months of coverage.
High-cost cities make recovery after income loss harder.
Incomplete insurance means more expenses may hit savings.
Risk-adjusted target
Dependents, job risk, city cost, and insurance change the recommendation.
Shortfall and timeline
See how much more to save and how long it may take.
Private by default
Inputs stay in your browser session and are never stored.
How PayVerdict estimates your emergency fund
PayVerdict starts with your committed monthly expenses, then adjusts the recommended months of coverage for dependents, job stability, income predictability, city cost, insurance cover, and comfort level. The result is an educational estimate, not financial advice.
What is an emergency fund?
An emergency fund is liquid money kept aside for job loss, medical expenses, urgent repairs, or other unexpected financial shocks.
How many months of expenses should I save?
A common starting point is 3 to 6 months, but dependents, variable income, high EMIs, and job risk can increase the target.
Should I include rent and EMIs?
Yes. PayVerdict includes essentials, rent or home EMI, and other loan EMIs because these commitments continue during emergencies.
Is my data stored?
No. This calculator runs in your browser and does not store or send your emergency fund inputs.