Wealth · Liquidity
Emergency Fund Check
How many months of runway you should hold in liquid, capital-safe money — by job type, adjusted for dependants — and whether you already have it.
Your monthly position
Job type & current fund
6 months base for salaried — private + 1 month for dependants above 1 = 7 months
Fund verdict
BUILD THE FUND
You need ₹4.00 L more for 7 months of runway
Short by ₹4.00 L — about 4 more months of take-home to set aside.
Monthly need (take-home, conservative)
Take-home as the runway base; expenses + EMIs are the floor when income is irregular
₹1.00 L
Required fund (7 months)
7 months = 6 (salaried — private) + 1 (dependants)
₹7.00 L
Current liquid savings
₹3.00 L
Gap / surplus
You are short
₹4.00 L
Where to park it (generic instruments)
- ●1–2 months of runway: in a savings account — instant access, zero risk.
- ●The rest: a liquid fund or sweep-in FD — targeting roughly 3.5–4% post-tax, T+1 redemption, no lock-in. Never equity.
- ●Only surplus beyond the target: belongs in longer-horizon investments.
The emergency fund is for job loss, medical shock, and repair — not for market timing. Capital preservation beats yield here.
Why months vary
Government employment has statutory job security; private salaried roles carry notice-period risk; self-employed and business income is lumpy and unprotected — hence 3 / 6 / 9 / 12 months, plus one month per dependant above the first. These are planning benchmarks, not statutory requirements.
This tool is informational. Consult a SEBI-registered investment adviser for personalised advice.
Hub Guide · Wealth Structuring
Go deeper — the Wealth Structuring hub
An emergency fund is the floor — the wealth hub covers the full stack: liquid vs long-term asset structuring, HUF/trust planning, FEMA compliance, and estate readiness.