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Sanriya Finvest

Financial calculatorsInsurance & Emergency Fund Check

Insurance & Emergency Fund Check

Check your emergency fund, term insurance and health cover against simple rules of thumb.

Emergency fund2.0 months

Aim for 6 months of expenses

Term life cover3.3× income

Aim for 10× annual income

Health cover₹5 L

Aim for ₹10 lakh or more

Common rules of thumb, not a recommendation. Your numbers depend on dependants, loans and existing assets.

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How this calculator works

Enter your monthly expenses, the emergency fund you hold, your yearly income and your current term and health cover. Three gauges compare them with common rules of thumb: six months of expenses in reserve, term cover of about ten times income, and health cover of ₹10 lakh or more. Sanriya does not sell insurance; this is a check, not a quote.

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