Essential expenses are the ones you have to pay (housing, food, bills, transport). The usual rule is 3 to 6 months; aim higher if your income is variable or your household has a single salary.

Your emergency fund

Target fund
€7,200
Still to save
€4,200
Current cover
2.5 months

The target fund equals your essential monthly expenses times the months of cover. Current cover shows how many months of expenses your savings already pay for.

Plan to reach the target

Months to reach it
14 months
Progress
41.7%

The months to reach it assume you save the same amount every month and do not touch what you have already set aside. Keep the fund in a safe, instant-access product (a savings account or a no-penalty deposit).

Educational estimate, not financial advice. The number of months of cover is a guideline; adjust it to your situation.

Emergency Fund Calculator by Calculadora Capital

Emergency Fund Calculator