NRI Emergency Fund

Your Layoff-Proof
Cash Blueprint

A simple framework for how much to set aside, how fast to build it, and where to keep it — so a bad month never becomes a crisis.

Build Timeline
Month 0 Month 12–18: Fund complete
Ideal Fund Size
9–12
months of essential expenses
Cover rent, groceries, insurance, and loan EMIs — the costs that don't pause when income does.
Monthly Saving Target
20–25%
of monthly take-home income
Automate this slice on payday so the fund grows before discretionary spending gets a chance to.
Where to Park It
NRE/NRO sweep-in savings account Instant access
Liquid / ultra-short-duration mutual funds 1–2 days
Short-tenure FDs (3–12 months) Same day–few days