How Much Do You Need If Everything Goes Wrong at Once?

🏠 Your Monthly Obligations

Monthly Household Expenses (₹) Rent, groceries, school fees, utilities, everything

Monthly EMI Obligations (₹) Car, personal, education loans — all EMIs combined

Number of Dependents: 2 people Spouse, children, parents who depend on your income

⏱️ Job Loss Scenario

Months of Runway You Want If Job Lost: 18 months

6 months (risky)18 months (recommended)36 months (conservative)

🏥 Health & Family Risk Factors

Aging Parents Situation

Medical Emergency Buffer / Insurance

Home Loan Situation

City of Residence

Your Doomsday Corpus Needed

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If job loss + health crisis + family emergency hit simultaneously

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Typical 3-Month Fund (What Most Have)

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Your Actual Need

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Dangerous Gap

⚠️ The 3-month rule covers — of your actual worst-case needs

0% — Dangerously Exposed100% — Fully Covered

Corpus Component	Amount	Rationale
Total Doomsday Corpus	—	incl. city premium

Breakdown by Category

🏗️ How to Build This Corpus

Once built, don't let it idle. Keep 3 months in a savings account (instant access). Put the rest in a liquid fund or ultra-short duration fund earning 6-7%. Your emergency corpus shouldn't sit in a savings account at 3.5% — that's opportunity wasted. Once fully funded, move any extra into a conservative hybrid fund.