Finance tool
Emergency Fund Calculator
Find the target size of your emergency fund and how long it will take to save it.
—Target fund size
—Still needed
—Months to reach it
How many months of cover to aim for
3 months suits a stable dual-income household; 6 months is the common general recommendation; 9–12 months suits freelance or single-income situations, or unstable industries. "Essential expenses" means rent, food, utilities, insurance, and minimum debt payments — not discretionary spending.