Emergency fund calculator
How much reserve to keep and how long to reach the target.
Work out the ideal size of your emergency fund from your essential monthly expenses and how many months you want to cover (3, 6, 9 or 12). The tool shows the target, how much is still missing and — if you enter a monthly deposit — how long it takes to complete the reserve, with a progress bar and an accumulation chart toward the goal.
The ideal size of your fund
An emergency fund is money set aside for the unexpected — losing a job, a health issue, an urgent repair — without resorting to debt. The calculator estimates the ideal size from your monthly cost of living and how many months of cushion you want covered, and shows how long it takes to reach that goal saving a set amount per month.
How many months to save
The common recommendation is 3 to 6 months of expenses for those with stable income, and 6 to 12 months for freelancers and variable income, given the greater unpredictability. What matters is that the fund covers your essential costs for the time you would need to regroup. The progress bar shows how far you have come toward that number.
Where to keep it and why it comes first
The fund should sit in something safe and quickly accessible (daily liquidity), not in investments that swing — the goal is protection, not return. It is the first step before investing for bigger goals. Runs in the browser. Once built, use the compound interest calculator to plan the next step.
Frequently asked questions
How many months of reserve do I need?
A common benchmark is 6 months of essential expenses. People with stable income can keep 3; freelancers and those with variable income often aim for 12 months due to greater unpredictability.
Where should I keep the emergency fund?
In something safe with instant liquidity: a treasury/savings account or daily-liquidity fixed income. Never in stocks, crypto or locked funds — the reserve must be available the moment an emergency hits.
Are essential expenses the same as my salary?
No. Count only what is essential to live: housing, bills, food, transport and health. Subscriptions and leisure can be cut in an emergency, so they need not enter the minimum-reserve calculation.