Calculators · Planning
Emergency fund calculator
This emergency fund calculator works out how much you should keep aside for emergencies, based on your monthly expenses, the people who depend on you, how stable your income is and whether you are insured.
Worth · Planning Tools
Seven calculators for the money questions people actually ask
Educational tools built on standard formulas. Every figure below is illustrative, computed from the inputs you enter — not a projection, recommendation or guarantee.
SIP Calculator
The future value of a monthly SIP over your chosen horizon, assuming a constant expected rate of return. Instalments are treated as invested at the start of each month.
Your inputs
- Total invested
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- Wealth gained
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- Absolute return
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- Instalments paid
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Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions and are not guaranteed. Past performance is not indicative of future results.
Mutual Fund Returns Calculator
What a mutual fund investment could grow to — a one-time amount, a monthly SIP, or both running together. Add an annual step-up if you plan to raise your SIP as your income grows, and see what the final value is worth in today's money.
What you invest
Assumptions
- Total invested
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- Wealth gained
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- Absolute return
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- From the one-time investment
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- From the SIP instalments
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- Annualised return (XIRR)
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- Value in today's money
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Both legs grow at the same effective annual rate you enter: the one-time amount compounds annually, and SIP instalments compound monthly at the equivalent monthly rate, (1 + r)^(1/12) − 1. The annualised return is a true XIRR across every cash flow, so it matches your assumed rate and accounts for the fact that later instalments have less time to grow.
Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions, scheme selection and asset allocation, and are not guaranteed. Expense ratio, exit load and capital gains tax are not modelled here and will reduce what you actually receive. Past performance is not indicative of future results.
XIRR Calculator
Annualised return on investments with irregular cash flows — multiple SIPs, lump sums or withdrawals on different dates. Enter investments as negative amounts and redemptions or current value as positive.
Cash flows
| Date | Amount (₹) |
|---|
Negative = money in (SIP, lump sum). Positive = money out (redemption) or today's portfolio value. The last row is normally your current value.
- Total invested
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- Total withdrawn / current value
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- Absolute gain / loss
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- Holding period
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Mandatory disclaimerXIRR calculates the annualised return of investments made at different dates. This is the standard metric used to evaluate returns on SIPs and irregular investments. Results are for illustration and depend entirely on values you input.
Retirement Calculator
The corpus needed to sustain your lifestyle after retirement, and the monthly SIP required to build it. Expenses are inflated to your retirement date, then funded using an inflation-adjusted real return through retirement.
About you
Assumptions
- Years until retirement
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- Monthly expenses at retirement
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- Corpus needed at retirement
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- Real return during retirement
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- Years funded in retirement
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Mandatory disclaimerThis calculator uses assumed return and inflation rates for illustration. Actual returns depend on market conditions and asset allocation. Retirement planning should account for healthcare, dependents and individual circumstances not modelled here. Consult a SEBI Registered Investment Adviser for personalised planning.
Emergency Fund Calculator
How large your emergency fund should be, based on monthly expenses, dependents, how stable your income is, and whether insurance already covers your biggest risks.
Your situation
Park this amount somewhere you can reach within a day or two — a liquid mutual fund or a savings account — rather than in anything with a lock-in or market risk.
Mandatory disclaimerEmergency fund recommendations vary by personal circumstances. This calculator provides general guidance. It is not personalised financial advice. Consider your individual liquidity needs, existing insurance coverage and family obligations.
SWP Calculator
How long a corpus lasts if you withdraw a fixed amount each period, with the remaining balance still earning a return. Returns are applied first, then the withdrawal is taken.
Your inputs
- Total withdrawn over the period
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- Returns earned
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- Balance at the end
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- Withdrawal rate (annualised)
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Mandatory disclaimerSWPs assume constant return rates, which do not reflect real market volatility. Sequence of returns risk — poor returns in the early years — can significantly reduce how long a corpus lasts. This is illustrative and not investment advice.
Mutual Fund Overlap Calculator
How much two funds hold in common. Enter each fund's holdings with their portfolio weights; shared weight for a stock is the smaller of the two weights, and the total is the overlap.
Fund A holdings
| Stock | Wt % |
|---|
Fund B holdings
| Stock | Wt % |
|---|
Matched holdings
| Stock | Fund A | Fund B | Shared |
|---|
Mandatory disclaimerOverlap % is based on the portfolio weights you input. Actual mutual fund portfolios change over time and this calculator only reflects the snapshot you provided. This is an educational tool. It does not constitute a recommendation to invest in, redeem or switch any mutual fund scheme.
The method
How the emergency fund calculator works
The calculator starts from a base number of months and adjusts it for your situation:
- Base: 3 months with no dependants, 6 months with one or two, 9 months with three or more
- Income stability: multiplied by 1.0 (government or PSU) up to 2.0 (business owner)
- No health insurance: add 3 months
- No life insurance with dependants: add 2 months
Worked example (the calculator's default inputs)
- Monthly expenses
- ₹40,000
- Dependants
- 2 (base 6 months)
- Income
- Salaried, private, stable industry (× 1.2)
- Insurance
- Health and life cover in place
- Months to hold
- 7.2 months
- Emergency fund
- ₹2,88,000
Without health insurance, the same household would need 10.2 months, or ₹4,08,000.
The essentials
What is an emergency fund, and how much should you have?
What is an emergency fund?
An emergency fund is money set aside for unplanned costs, such as a job loss, a medical bill or an urgent repair, so you do not have to borrow or sell investments at a bad time. It is the first layer of any financial plan, before longer-term investing.
How much emergency fund should you have?
A common starting point is three to six months of expenses. It should be higher if others depend on your income, if your income is irregular, or if you lack health or life insurance, because each of these raises the cost of a shock. The calculator adds those adjustments for you.
Where an emergency fund is usually kept
Access matters more than return for this money, so it is commonly kept in a savings account, a sweep-in fixed deposit or a liquid fund. The FD calculator shows what a deposit earns after tax, and the retirement calculator covers the long-term goal once the safety net is in place.
Common questions
Emergency Fund Calculator: frequently asked questions
How much emergency fund should I have?
What is an emergency fund?
Where is an emergency fund usually kept?
Does health insurance reduce the emergency fund I need?
How often should I review my emergency fund?
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