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Emergency Fund Planner
Build a safety net of a few months’ expenses.

Your Goal

Drag the sliders — the monthly SIP updates instantly.

Fund TargetHow much the goal costs in today’s money
₹1,00,000₹5,00,00,000
Build OverHow many years you stay invested
1 yr40 yrs
Expected Annual GrowthThe average yearly return you assume — your choice, not a DhanRadar prediction
1%30%
Monthly SIP Needed
₹23,228/mo
To reach ₹6,00,000 in 2 years
Goal’s Future Cost
₹6,00,000
In today’s money
Or One-time Today
₹5,24,063
Lump sum instead of monthly
Total You’ll Invest
₹5,57,473
Across the whole period
Your Plan vs the Goal
Invested vs Value
₹0₹1.58L₹3.15L₹4.73L₹6.3L0y1y2yYear 0 · ₹0Invested ₹0
Plan ValueMoney Invested

Reaching ₹6L needs about ₹23K/month at your assumed 7% return. Returns vary year to year, so treat this as a guide and revisit it.

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What If…

What lowers the monthly SIP
Invest 5 years longer7 yrs
₹6K/mo
₹18K/mo less
Earn 2% more9%
₹23K/mo
₹488/mo less
Earn 2% less5%
₹24K/mo
₹496/mo more
Bigger goal (+₹10 L)₹16L
₹62K/mo
₹39K/mo more
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AI Insights

DhanRadar AI

Investing 5 more years drops the monthly SIP to about ₹6K — time does most of the heavy lifting.

At your assumed 7% return, a one-time ₹5.24L today would also reach this goal instead of the monthly SIP.

For education only — not investment advice. These figures illustrate how your own inputs change the saving needed; they are not recommendations to buy, sell, or hold any fund. Estimates assume a constant annual return, which real markets do not provide.

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Related Calculators

Savings Goal Calculator
Find the monthly saving to reach a target amount.
Goal SIP Calculator
Find the monthly SIP to reach a goal — adjusted for inflation.
Monthly SIP₹23K/mo

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.