This emergency fund reference table shows the emergency fund target for a range of essential monthly expenses values, assuming a months of cover of 6. Every figure is computed with the same engine that powers our Emergency Fund Calculator, so the numbers are exact.
| Essential monthly expenses | Emergency fund target |
|---|---|
| ₹13,000 | ₹78,000 |
| ₹25,000 | ₹1,50,000 |
| ₹38,000 | ₹2,28,000 |
| ₹50,000 | ₹3,00,000 |
| ₹75,000 | ₹4,50,000 |
| ₹1,00,000 | ₹6,00,000 |
| ₹1,50,000 | ₹9,00,000 |
| ₹2,50,000 | ₹15,00,000 |
| ₹3,50,000 | ₹21,00,000 |
| ₹5,00,000 | ₹30,00,000 |
How to use this table
Find the row closest to your essential monthly expenses and read across to the emergency fund target. For a value between two rows, the real figure sits between them — or enter your exact numbers in the Emergency Fund Calculator for a precise answer.
Need a value that is not in the table? — the Emergency Fund Calculator does it instantly, for free, with the formula and a worked example built in.
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