Calculate exact liquid safety cushion needed for 3, 6, 9 or 12 months of living expenses

Rent / Home EMI (₹)

₹

Food & Groceries (₹)

₹

Utilities & Bills (₹)

₹

Insurance & Meds (₹)

₹

Safety Cushion Duration

Keep 50% in Liquid Mutual Funds + 30% in Sweep-in Bank FDs + 20% in Savings Account for instant 24/7 ATM/UPI access.

Target Emergency Fund Cushion

₹3,06,000

Monthly Essential Expense

₹51,000 / month

Duration Coverage

6 Months Cushion

50% in Liquid Mutual Funds

₹1,53,000

30% in Sweep-in Fixed Deposit

₹91,800

20% in Liquid Savings A/C

₹61,200