Liquidity Planning Tool
Emergency Fund Calculator
Calculate how much cash reserve you need to cover 3 to 12 months of living expenses and protect your long-term investments from forced liquidations.
Calculate Your Reserve
Monthly Essential Living Expenses
₹30000
Target Months of Coverage
6 Months
Number of Financial Dependents
2
Income Stability Profile
Moderate
Salaried (Stable)
Moderate
Business / Variable
Why an Emergency Fund Comes First
- Income interruption buffer: Covers EMIs and essentials during job transitions
- Medical out-of-pocket costs: Handles immediate expenses beyond insurance copays
- Prevents distress selling: Stops you from breaking equity mutual funds in a down market
- No high-interest debt: Eliminates the need for personal loans or credit card rollovers
Your Target Emergency Reserve
Monthly Baseline Expenses
₹30,000
Recommended Duration
6 Months
Core Emergency Reserve
₹1,80,000
Recommended Target (With 20% Contingency Buffer)
₹2,16,000
Advisory Assessment
Aim to build an emergency fund of ₹2,16,000. Keep these funds accessible within 24 to 48 hours without market lock-ins.
Optimal Liquidity Allocation
- • Savings Account (25%–30%): For immediate, same-day access
- • Liquid Mutual Funds (40%–50%): Better post-tax efficiency with T+1 redemption
- • Short-term Sweep-in FDs (20%–25%): Fixed safety with minimal interest penalty
Need Help Structuring Your Financial Safety Net?
Schedule a one-on-one consultation with Jasvinder Singh to set up a dedicated liquidity reserve and protect your investment strategy.