Family budget and emergency fund calculator

Where the household money goes each month, how big an emergency fund would be, and what the same month will cost in 10 and 20 years when school and health costs rise faster than prices in general.
Your household month
Left each month: ₹65,500, a savings rate of 44%.
₹84,500 spent of ₹1,50,000 take-home.
Rent or home-loan EMI 17%Groceries and household 10%Electricity 3%Fuel and transport 4%School and tuition fees 7%Medicines 3%Domestic help 3%Eating out and entertainment 4%Subscriptions and memberships 1%Shopping 5%
Emergency fund

Essential spending, the items not marked flexible, is ₹65,000 a month. Planners commonly mention 3 to 6 months of it, more for irregular income.

₹3,90,000
6 months of essential spending
The same month in the future (assumed inflation)
₹1.51 lakh
this month's spending, 10 years from now
₹2.81 lakh
this month's spending, 20 years from now
Which costs grow the most in 10 years

How it is worked out

The savings rate is what is left after spending, as a share of take-home income. The emergency fund is a number of months of essential spending, the items not marked flexible; planners commonly mention 3 to 6 months, more where income is irregular.

Future costs grow each category at its own assumed inflation. School fees and health costs have often risen faster than general prices, so they take a growing share of the budget over time.

Questions

How much emergency fund do I need?

A common reference is 3 to 6 months of essential expenses: rent or EMIs, groceries, utilities, school fees, insurance. Households with one income or irregular income often keep more.

What is a good savings rate?

There is no single right figure; it depends on income, goals and stage of life. The calculator shows yours so you can track it over time.

Why plan for education inflation separately?

School and college fees have often risen faster than general prices, so a fixed inflation figure can understate what they will cost later.

Educational calculator only, not financial, tax or investment advice. Results follow the formulas and the assumptions you enter; actual amounts depend on your lender, bank, employer and the rules that apply to you. Past performance does not indicate future results. Read the Disclaimer.