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About this tool
Size an emergency fund in your own currency from essential outgo, income stability, dependants and expected job-search time.
An emergency fund calculator sizes the cash you should keep liquid as a number of months of essential outgo — rent or mortgage, food, utilities, transport, insurance and any contractual loan instalment. This tool starts from the standard three-month floor, adds months for freelance or commission income, dependants, a single-earner household and missing health cover, caps the result at twelve months, and then raises it if you expect a job search to take longer than the score suggests. Amounts are shown in the currency you pick, so the same model works whether you are budgeting in rupees, dollars or euros.
Open Global Emergency Fund Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
EMIs are added to essential outgo because a lender does not pause repayment while you look for work.
Income type, dependants, earner count and health cover each move the target by a stated number of months.
The sizing model is currency-agnostic; only the display formatting changes.
Three to six months of essential expenses is the standard range, and twelve months is the figure usually quoted for self-employed or commission-based income. Use the top of the range if you have dependants, a single household income, or work in a field where hiring cycles run long.
Yes — include every payment you cannot stop. Rent or mortgage, loan and card instalments, utilities, groceries, transport, school fees and insurance premiums all belong in the figure; holidays, subscriptions and discretionary shopping do not.
In something you can access within a day or two without a capital loss — a savings account, a sweep-in deposit, a short-tenure fixed deposit ladder or a liquid or overnight fund. Equity and long-tenure lock-ins are unsuitable because emergencies rarely wait for a good market. This is general information rather than investment advice.
Yes. Insurance reimburses medical bills but does not replace lost income, and a credit card converts a shock into high-interest debt at the moment your income has stopped. Health cover does reduce the target here by 1.5 months, because it removes the largest single unbudgeted risk.
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