How much emergency fund is enough for an Indian family in 2026?

A healthy buffer is 6 months of total expenses. If your family has only one income source or no health insurance, 12 months is recommended to counter urban inflation.

Should EMIs be part of the emergency fund?

Absolutely. Your emergency fund must cover all contractual obligations like Home/Car EMIs for the target duration to avoid loan defaults during job loss.

Emergency Fund Calculator

Calculate the safety net required to cover 6-12 months of expenses based on your risk profile and job stability in 2026.

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Quick Summary: Emergency Fund Calculator

In 2026, salaried professionals in India should aim for 6 months of essential expenses, while freelancers or those in volatile sectors (Startups/IT) should target 9-12 months. This fund should include Rent, EMIs, Insurance premiums, and Groceries to account for 14% medical inflation.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.