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Emergency fund planner

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Set a target of three, six or twelve months of spending, and see how long it takes to build.

Estimate. Keep the fund in an easy-access account.

Common questions

How big should an emergency fund be?

Three months if your income is steady, six or more if it is not.

Where should I keep it?

An easy-access savings account.