Emergency Fund Calculator

Find a target size for your emergency fund.

How it is calculated

Multiplies your essential monthly expenses by how many months of cover you want.

Formula

Target: Monthly essential expenses × number of months of cover

Frequently asked questions

How many months of expenses should an emergency fund cover?

3-6 months is commonly suggested for people with a steady income. People with an income that changes, or with family depending on them, often aim for 6-12 months.