Add the expenses that would still need to be paid if income stopped. See how long your emergency savings may last and compare it with your own target.
How long could your emergency savings last?
Add the costs that would still need to be paid if your main income stopped.
Add continuing income or a separate emergency buffer optional
Example numbers only show how the calculator works. They are not a recommendation.
Your emergency money may last about
This is a simple cash-runway estimate from the numbers you entered. It is not a safety score.
What the monthly amount includes
What this means
If you want to close the gap gradually
These are simple monthly amounts with no return assumption. Pick your own pace.
See different runway periods
This is only a comparison. It does not mean any one of these targets is right for you.
One quick stress check
What will this calculator tell me?
It shows how many months your emergency money may cover if your main income stopped, based on the essential expenses, EMIs, yearly must-pay costs and any other income you enter.
It also compares your current savings with the number of months you choose and shows the amount still needed, if any.
What should I count as essential monthly spending?
Think about the costs you would still need to pay during an income break: rent, groceries, utilities, medicines, basic transport and other necessary household expenses.
Leave out spending you could pause, such as holidays, shopping, eating out or regular long-term investing. Enter EMIs separately. If an essential cost is paid yearly, use the optional yearly-cost field instead of squeezing it into one month.
Should I include my EMI?
If the EMI would still have to be paid when income stops, include it. A home loan, car loan or other regular loan payment does not disappear just because salary or business income has paused.
Do not enter the same EMI again inside essential monthly spending.
What counts as emergency savings available now?
Use money that is actually available for an emergency and that you are willing to use for this purpose.
Do not count the same money again if it is already reserved for child education, a home purchase, retirement or another goal. A credit-card limit is borrowing, not emergency savings.
Why do I choose the number of months myself?
There is no single number that fits every household. Income stability, number of earners, EMIs, family responsibilities, healthcare needs and personal comfort can all change how much runway someone wants.
That is why this calculator does not label one target as good, bad or recommended. Choose a number you want to test, then compare other periods below the result.
What should I put under yearly must-pay costs?
Use essential costs that do not arrive every month but would still need to be paid during a long income break. Examples can include insurance premiums, annual school fees or necessary maintenance.
Enter the yearly total once. The calculator divides it by 12 so the runway does not ignore these costs.
What does continuing income mean?
Use this only for income you reasonably expect would still continue if the main income you are protecting against stopped. It could be another household income or another regular source that would still help pay essential bills.
If you are unsure whether that income would continue, leave it at 0 and compare the result.
What is the extra one-time emergency buffer?
This optional amount is for an urgent cost you want to keep separate from monthly living expenses. The calculator adds it to your chosen target and keeps that amount aside before calculating the monthly runway.
Leave it at 0 if you only want to measure months of regular essential expenses.
How is emergency runway calculated?
First, the calculator adds essential monthly expenses, EMIs and one-twelfth of any yearly must-pay costs. It then subtracts any monthly income you say would continue. That gives the monthly amount your emergency money may need to cover.
If you entered a separate one-time buffer, that amount is kept aside from the emergency savings first. The remaining savings are divided by the monthly amount to estimate your runway.
Your chosen target is: monthly amount to cover × number of months, plus any separate one-time buffer.
Why does the calculator show 3, 6, 9 and 12 months?
They are shown only so you can see how much the rupee target changes when the runway period changes.
The calculator does not say that one of these periods is automatically right for you.
Important things to remember
This is a planning calculation, not a prediction of how long an emergency will last. Your actual expenses and available income can change during a difficult period.
Insurance can help with some specific risks, but it is not the same as cash available for everyday bills. Likewise, a credit card or loan is borrowing, not emergency savings.
The calculation happens in your browser. No phone number, email, PAN or bank details are needed.
About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.