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Emergency Fund Calculator

Size an emergency fund from your real monthly outgoings and see how long it takes to build.

An emergency fund is measured in months of essential expenses, not a round number. Count only what you must pay — housing, food, utilities, transport, insurance and minimum debt payments — and multiply by the months of cover you need, which depends on how stable and how numerous your income sources are.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Where should an emergency fund be kept?

Somewhere you can reach within a day or two and where the value cannot fall — an instant-access savings account. Investing it defeats the purpose, since emergencies correlate with the moments markets are down.

How to use the emergency fund calculator

  1. 1Set the essential monthly expenses.
  2. 2Set the months of cover.
  3. 3Set the already saved.
  4. 4Set the can save per month.
  5. 5Choose the currency symbol.
  6. 6The result appears immediately — copy or download it.

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