Emergency Fund Calculator
Find how much to keep for emergencies and how long it takes to build.
Emergency fund target
Still to save
Months to reach it
How it works
Target = monthly essential spending x months of cover. Many advisers suggest 3 to 6 months. Months to reach it = amount still needed / monthly saving.
Example: 2,500 of spending for 6 months is a 15,000 target. With 3,000 saved and 300 added each month, you need 40 more months.
Frequently asked questions
How many months should I cover?
Three to six is common. Choose more if your income is irregular.
Where should I keep it?
In an easy-access savings account you will not spend.
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Last updated October 2026. For information only, not financial advice.