Financial decision guide and interactive simulator

Emergency fund calculator

How many months of essential expenses could my available cash cover?

What this calculation is designed to show

Emergency savings should be measured against essential spending and household risk, not a generic target. Variable income, dependants, health needs and uncertain employment can justify a larger buffer.

How to test the decision

Separate accessible cash from investments or property equity. Test the plan using only expenses that would continue during an income interruption and choose a monthly contribution that does not create new debt.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.