Emergency Fund Calculator
Life happens, job loss, sickness, that phone call. Let's size your cushion so it bends, not breaks, you.
Before you start
Emergency Fund Calculator
Size the safety cushion that keeps a bad month from becoming a crisis.
Enter your essential monthly expenses.
Tell us how steady your income is.
Add what you have saved and what you can save monthly.
See your target and the date you'll be fully covered.
Private and confidential: everything runs in your browser. We never see your numbers, and nothing is stored unless you choose to save or email your plan.
Choose your working currency
Your expenses, savings and target update together.
Choose a currency
Rent, food, transport, fees, family support, survival mode, not lifestyle mode.
How steady is your income?
Your target cushion
months ×
funded
Missing piece:
At /month you'll be fully covered by
Fully funded! Your next move: put the surplus to work, try the growth visualiser.
Smart placement for this money
- Keep it in a money market fund, accessible in 2-4 days, earning real interest, away from impulse spending.
- Split a small float to mobile-money savings for true same-day emergencies.
- Not in shares or land, emergencies don't wait for the right price.
- Not in your everyday account, it will quietly become airtime and weekend plans.
Save & download your report
Your emergency fund target and action plan.
Enter your email to save this plan and start your free dashboard.
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