Emergency fund calculator

Work out an emergency fund target from your essential expenses, how many months you are covered now, and how long the rest may take.

Estimate from your own figures

What you must pay even in a bad month: rent or home EMI, food, bills, insurance, school fees and loan payments.

Your choice. Think about how secure your income is, your dependants and your health cover.

Money you can reach quickly, such as a savings account or deposits you can break.

Your figures are sent only to calculate this result. They are not stored and do not appear in the page address. Never enter card numbers, PINs, OTPs or passwords.

Learn more: Budgeting, saving and an emergency fund.

Frequently asked questions

How is the emergency fund target worked out?

Target = essential monthly expenses × the number of months you choose. Months covered = savings ÷ essential monthly expenses.

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