Emergency Fund Calculator — Kitna Paisa Alag Rakhein
Emergency fund wo paisa hai jo aapko udhaar lene se bachata hai. Neeche mahine ka kharcha daaliye aur chuniye kitne mahine ka fund chahiye — number saamne aa jayega.
Kitne mahine ka rakhna chahiye
Yahan "kharcha" matlab salary nahi — jitne me mahina chalta hai. Kiraya, ration, bijli-paani, EMI, fees, aane-jaane ka kharcha, dawa. Jo kharche band ho sakte hain (bahar khaana, ghoomna) wo mat jodiye.
| Aapki sthiti | Kitne mahine |
|---|---|
| Sarkari naukri, pakki aay | 3-4 mahine |
| Private naukri, ek kamane wala | 6 mahine |
| Ghar me do log kamate hain | 4-5 mahine |
| Karobar, freelance, kheti — aay upar-neeche | 9-12 mahine |
| Ghar me koi lambi bimari ho | 12 mahine |
Kisan aur karobari ke liye zyada rakhne ki wajah saaf hai — aay saal bhar ek jaisi nahi aati. Fasal ke beech, ya mandi ka bura daur, ya bimari ka mausam — in dinon me yahi fund ghar chalata hai.
Ye paisa kahan rakhein — aur kahan bilkul nahi
Do shartein hain: turant milna chahiye, aur ghatna nahi chahiye. Return teesri baat hai.
Sahi jagah:
- Bachat khaata — sabse tez, par return sabse kam. 1 mahine ka kharcha yahan rakhiye.
- Sweep-in FD — bank apne aap FD bana deta hai aur zaroorat par tod deta hai. Achha santulan.
- Chhoti-chhoti FD — 5 alag FD banaiye, 1 lakh ki jagah 20-20 hazaar ki. Zaroorat par ek hi todni padegi, poori nahi.
- Liquid fund — 1-2 din me paisa aata hai, return FD jaisa. Thoda samajhdaar logon ke liye.
Galat jagah — chahe kitna bhi lalach ho:
- Share ya equity mutual fund — jis din zaroorat padegi, ho sakta hai bazaar gira ho. Nuksan me bechna padta hai.
- PPF, NSC, KVP — paisa fansa hai, nikal hi nahi sakta.
- Property ya sona — bechne me hafte lagte hain.
- Kisi ko udhaar diya hua paisa — ye emergency fund nahi hai.
Emergency kya hai aur kya nahi
Fund tabhi kaam karta hai jab wo sach me emergency par hi khule. Warna wo bas ek aur bachat khaata ban jaata hai.
Ye emergency hai: naukri chali gayi · aspatal ka kharcha jo bima ne poora nahi kiya · ghar ki chhat ya paani ki line ka achanak toot jaana · gaadi kharab jisse kaam ruk raha ho · ghar me kisi ki achanak mrityu aur uske kharche · fasal ka nuksan
Ye emergency nahi hai: shaadi ya tyohaar · chhutti par jaana · naya mobile ya TV · sale me achhi deal · kisi dost ka business plan · "abhi lagata hoon, agle mahine wapas daal dunga"
Aur agar istemaal karna hi pada — to koi galti nahi hui. Fund isi ke liye tha. Bas agla lakshya use wapas bharna ho jaata hai, kisi bhi naye nivesh se pehle.
Number bada lag raha hai to aise banaiye
₹30,000 mahine ka kharcha hai to 6 mahine ka fund ₹1.8 lakh hua. Ek saath dekhne par ye asambhav lagta hai. Isliye tukdon me banaiye:
- Pehla lakshya: ₹25,000. Sirf itna. Ye chhoti musibaton ko sambhal leta hai — gaadi, phone, chhoti bimari. Aur sabse zaroori, ye aapko credit card se bachata hai.
- Doosra: 1 mahine ka kharcha. Ab saans aane lagti hai.
- Teesra: 3 mahine. Yahan pahunchne ke baad naukri ki chinta kaafi kam ho jaati hai.
- Chautha: 6 mahine. Poora lakshya.
Bharne ke tarike: har mahine ek tay rakam auto-transfer · bonus, incentive ya arrear ka aadha hissa seedha isme · ITR ka refund poora isme · koi purani cheez bechi to wo paisa isme
Ek aur cheez jo emergency fund se bhi zaroori hai — health insurance. Aspatal ka bada bill sabse aam wajah hai jo parivaar ko karze me dhakelti hai. Fund chhoti musibaton ke liye hai, bade ilaaj ke liye bima chahiye.
Poori jaankari Emergency Fund Guide aur emergency fund kahan rakhein me hai.
Aksar pooche jaane wale sawaal
Emergency fund kitne mahine ka hona chahiye?
Pakki naukri me 3-4 mahine, private naukri me 6, aur karobar ya kheti me 9-12 mahine ka — kyunki wahan aay har mahine ek jaisi nahi aati.
Ye paisa kahan rakhein?
Bachat khaate, sweep-in FD, chhoti-chhoti FD ya liquid fund me. Share, mutual fund, PPF ya property me bilkul nahi — wahan se paisa waqt par nahi milta.
Emergency fund me kharche ginne hain ya salary?
Kharche. Jitne me mahina chalta hai — kiraya, ration, EMI, fees, dawa. Jo kharche band ho sakte hain wo mat jodiye.
Pehle emergency fund banaun ya SIP shuru karun?
Pehle fund. Bina uske ek chhoti musibat SIP tudwa deti hai ya credit card par le jaati hai. Ek apwaad — company ka EPF ya matching contribution mat chhodiye.