Savings rate
Calculate what percentage of your monthly take-home income you set aside and your total annual savings.
Open calculatorEmergency fund
Your emergency fund target is essential monthly expenses multiplied by the number of months you want covered (3 to 6 months is the standard personal-finance guideline). The calculator shows the remaining shortfall and how many months of steady saving are required to fill it.
Essential monthly bills only — housing, utilities, groceries, transport and minimum debt payments.
Number of months of expenses to hold in reserve (typically 3–6 months for salaried employees, 6–12 months for freelancers).
Liquid cash already earmarked specifically for emergencies.
Fixed amount you can transfer to the emergency fund each month.
Emergency fund target
30,000
Remaining amount to save
22,000
Months to reach target
14.7
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Keep your emergency fund in an instant-access savings account or short-term deposits — separate from long-term equity investments.
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Educational estimate only. Not medical, tax, legal or financial advice.