Emergency Fund Report
How long your household could last if income stopped today — and exactly what it takes to be ready.
Weighted across emergency runway, surplus margin, fixed obligations, debt exposure, and insurance protection.
You are ₹60,000 short of a full emergency fund. Setting aside ₹20,000 a month closes the gap in about 3 months.
Six quick checks
How long would your money last?
Your emergency fund must cover everything you cannot stop paying — living costs and loan EMIs — while you find new income. It is not an investment; its job is to be there on day one.
How we calculated it
Your target
Where to keep it: a three-layer reserve
Keep the reserve separate from investments. Equity is not an emergency fund — it may be down exactly when you need it.
Instant access
1 month in your savings account for same-day needs.
Within a day
2 months in a sweep-in or penalty-free fixed deposit.
Within 2–3 days
The balance in a liquid or overnight debt fund.
Six quick checks
Your emergency fund works alongside five other basics. Each is measured against a widely used financial benchmark.
| Check | You | Benchmark | Status | What It Means |
|---|---|---|---|---|
| Emergency runway₹3,00,000 ÷ (₹40,000 living + ₹20,000 EMIs) | 5.0 months | 6+ months | WATCH | Covers a short disruption, not a long job search. |
| Net surplus margin(₹1,00,000 − ₹60,000) ÷ ₹1,00,000 | 40% | ≥ 20% | HEALTHY | Strong saving capacity — make sure it is invested. |
| Fixed obligation to income₹20,000 EMIs ÷ ₹1,00,000 | 20% | ≤ 30% | HEALTHY | EMIs leave plenty of room. |
| Unsecured debt exposure₹50,000 cards & personal loans ÷ ₹12.0 L annual income | 4.2% | 0% | WATCH | Clear it before building investments. |
| Health shock protectionHealth sum insured for the earning family, parents not on the policy | ₹10.0 L | ≥ ₹10 L | HEALTHY | Adequate base cover for your family. |
| Life cover adequacy₹1.50 Cr cover ÷ (₹15.0 L debt + 15 yrs of living costs) | 172% | ≥ 100% | HEALTHY | Clears debt and replaces income. |
What counts as an emergency
- •Job loss or a sharp drop in income
- •Medical costs your insurance does not pay
- •Urgent home or vehicle repairs
- •Emergency travel for family crisis
What does not
- •Holidays, gadgets or planned purchases
- •Investment opportunities & market dips
- •Annual bills you can anticipate (school fees, insurance premiums)
- •Lending to friends or relatives
Your action plan
Close the emergency fund gap
Set aside ₹20,000 a month by auto-transfer on salary day. You reach 6 months in about 3 months.
Clear unsecured debt first
Pay off the ₹50,000 of card / personal-loan balance from surplus before topping up investments — it is your costliest money.
Put your surplus to work
After the reserve is built, direct the remaining ₹20,000 a month to long-term goals through regular investing.
Make the reserve findable
Note where the reserve is held, add nominees, and share the details with your spouse.
Full Financial Health & Preparedness Report
This basic report checks your emergency cash. The full report stress-tests your entire balance sheet, parents' health cover, and an actionable 90-day roadmap.