TIPS FOR BUILDING AN EMERGENCY FUND
2. Make use of the 50/30/20 allocation rule: 50% of your income allocation should go to taking care of essential expenses and immediate needs. The mistake people often make is neglecting this aspect, forgetting that it is actually inevitable and unavoidable, even when you manage to avoid it today, it'll come back tomorrow bigger, and you'll be forced to still sort them out, thereby messing up your plans. 30% goes to your discretionary income and the other 20% towards your savings and also for debt repayments.
I like how you categorically listed everything out, but from the percentage allocation you did, you didn't make room for emergency funds percentage.
I'd like to believe that the 20% to cover for emergency funds allocation, since paying of loan isn't something you do all the time, so sometimes, 20% of your income could go to your emergency funds.