What It Does
Calculates target reserve, current shortfall, and monthly amount needed to build it.
Emergency Fund Calculator
Calculate how much reserve you should keep based on monthly essential expenses, and how quickly you can build that target.
- Sets target based on expense coverage months
- Shows shortfall and monthly saving requirement
- Improves financial resilience before borrowing
Emergency Planning Guide
Start with essentials-only expenses and realistic contribution timelines.
- Typical target: 3 to 6 months of essential expenses
- Variable income users may keep higher buffers
- Build gradually with fixed monthly transfers
Emergency fund inputs
Set goals using essential expenses, not lifestyle expenses.
Emergency fund output
Target Emergency Fund--
Shortfall--
Required Monthly Saving--
Current Progress--
Prioritize liquidity and safety for emergency reserves.
How to Enter Inputs Correctly
Focus on essentials-only expenses for realistic emergency reserve targets.
How to Enter
Use essential monthly expenses, current savings, target months, and build timeline.
How to Read
Use shortfall and monthly need outputs to set automatic monthly transfers.
Calculator FAQ
How many months should I target?
Most users plan 3 to 6 months; variable income households may keep higher buffers.
Should investments be counted as emergency fund?
Prefer liquid and low-risk funds for emergencies to avoid forced losses.
Can I build emergency fund slowly?
Yes. Fixed monthly saving plans are practical and sustainable for most users.