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Handling the Unexpected: Emergency Fund

Provided by Visa, Content Partner for the SME Toolkit

Emergency Fund

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Use this calculator to see how much you need to put aside for your emergency fund.


Current emergency funds available Rs
Number of months you want the emergency funds to last  
Number of months over which you want to accumulate your emergency fund  


Total monthly living expenses. If you plan to itemize (below), leave blank Rs

or Itemize Monthly:

Mortgage or rent payment Rs
Vacation home (mortgage) Rs
Automobile loan(s) Rs
Personal loan(s) Rs
Charge accounts Rs
Federal income tax (per month) Rs
State income tax (per month) Rs
FICA (social security tax - per month) Rs
Real estate taxes - monthly Rs
Other taxes Rs
Utilities Rs
Household repairs and maintenance Rs
Food Rs
Clothing and laundry Rs
Educational expenses Rs
Child care Rs
Automobile expenses (gas, repairs, etc.) Rs
Other transportation expenses Rs
Life insurance premiums - monthly Rs
Homeowners/renters insurance (monthly) Rs
Automobile insurance (monthly) Rs
Medical, dental and disability insurance Rs
Entertainment and dining Rs
Recreation and travel Rs
Club dues Rs
Hobbies Rs
Gifts Rs
Major home improvements and furnishings Rs
Professional services Rs
Contributions Rs

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Sanath Liyanage  |  December 05, 2011