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📈 Savings & Investing

Emergency Fund Calculator

Work out your emergency fund target and how long it will take to get there.

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Target Emergency Fund
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Months to Goal
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Current Savings
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Monthly Saving
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About This Emergency Fund Calculator

This free emergency fund calculator helps you set a savings target — typically three to twelve months of essential expenses — and estimates how long it will take to reach it at your current saving rate. An emergency fund is a cash buffer for unexpected costs like car repairs, medical bills or a gap between jobs.

This is general information only and not financial advice. How much you need depends on your job security, dependants and other safety nets.

Frequently Asked Questions

How big should my emergency fund be?+
A common guide is three to six months of essential living expenses, or more if your income is variable or you have dependants.
Where should I keep my emergency fund?+
Somewhere safe and easy to access, such as a separate high-interest savings account — not tied up in investments you might have to sell at a loss.
Is this financial advice?+
No. This tool provides general information only. Consider your full situation or speak with a licensed financial adviser.

Related Tools

→ Savings Calculator→ Budget Planner→ Future Value

RELATED GUIDE

Emergency Funds: How Much to Save and Why

A practical guide to emergency funds: why you need one, how to work out the right size, where to keep it, and how to build it without feeling overwhelmed.

Read the full guide →