An emergency fund is not based on your salary — it is based on your essential monthly expenses: rent, food, utilities, transport, insurance, and minimum payments. Enter yours below and choose how many months of cover you want.
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How Many Months Do You Need?
Three months suits a stable job with a second income in the household. Six months is the standard target. Nine to twelve months makes sense for single earners, freelancers, and anyone whose income varies.
Educational tool only — a planning estimate, not financial advice.