Emergency Fund Calculator
Estimates an appropriate emergency savings reserve based on monthly expenses.
An emergency fund should cover essential expenses if income stops unexpectedly. Lilu Baba's Emergency Fund Calculator sizes it instantly from your monthly expenses.
How to use this calculator
- Enter your essential monthly expenses (rent, food, EMIs, utilities).
- Choose how many months of cover you want (commonly 3-6, more for single-income households).
- Your recommended emergency fund size updates instantly.
Recommended Emergency Fund
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FAQ
Emergency Fund Calculator — frequently asked questions
3-6 months is a common guideline for stable dual-income households; single-income households or freelancers often aim for 6-12 months.
Focus on essential expenses only — rent/EMI, food, utilities, insurance — not discretionary spending like entertainment.