Flagship Tool • Module D
Customised Emergency Fund Calculator
Determine exactly how much emergency reserve you actually need based on your employment stability, household earners, non-negotiable liabilities, dependants, and health insurance. Not a generic 6-month guess.
Your Financial SituationReal-time updates
1. Monthly Non-Negotiable Commitments
Essential Household Outgoings (Rent, Food, Utilities)₹42,000
Unavoidable Debt Repayments (Home, Car, Personal EMIs)₹16,000
Monthly Share of Insurance Premiums (Term & Health)₹2,500
2. Risk & Vulnerability Profile
0
Notice Period / Expected Replacement Horizon2 Months
3. Existing Liquid Savings
Bank Savings + Fixed Deposits + Liquid Mutual Funds₹2,70,000
*Excludes volatile stock holdings, property, and lock-in PF/EPF funds.Recommended Working Target
₹4,13,000
6 Months Runway
Reserve Shortfall of ₹1,43,000
You currently have 4.5 months of liquid coverage. Saving ₹11,917/month will secure your target in 12 months.
How To Park Your Emergency FundZero market risk
Tier 1: Immediate Cash (25%)
Savings Bank + Sweep-in FD (Instant UPI/ATM access)
Tier 2: Liquid Mutual Funds (45%)
Instant-redemption Liquid Funds & 90-day FD (T+1 day access)
Tier 3: Core Contingency Buffer (30%)
Ultra Short-Term Debt Funds / Multi-bank FD
Why Your Target is 6 Months (Audit Breakdown)
Stable Salaried Employment:+1 months
Single-Earner Responsibility:+1 months
100% Employer Insurance Reliance:+1 months