Emergency Fund Calculator

Life happens, job loss, sickness, that phone call. Let's size your cushion so it bends, not breaks, you.

Before you start

How it works

Four quick steps, about 2 minutes, to see exactly how much to save and by when.

Calculate my emergency fund

Enter your essential monthly expenses.

Tell us how steady your income is.

Add what you've already saved and what you can save monthly.

Get your target amount and the date you'll hit it.

Private and confidential: everything runs in your browser. We never see your numbers, and nothing is stored unless you choose to save or email your plan.

Choose your working currency

Your expenses, savings and target update together.

My essential monthly expenses

Rent, food, transport, fees, family support, survival mode, not lifestyle mode.

How steady is your income?

Already saved for emergencies

I can put aside monthly

Your target cushion

months ×

funded

Smart placement for this money

Keep it in a money market fund, accessible in 2-4 days, earning real interest, away from impulse spending.
Split a small float to mobile-money savings for true same-day emergencies.
Not in shares or land, emergencies don't wait for the right price.
Not in your everyday account, it will quietly become airtime and weekend plans.

Save & download your report

Your emergency fund target and action plan.

Enter your email to save this plan. We email you a link to your report, which waits in your free Money-Wise dashboard.

Your free Money-Wise profile is created with this email. Your plans wait in a dashboard you sign in to with a code we email you. No password to remember.

By submitting, you consent to receive your report and the occasional Money-Wise Minute newsletter. You can unsubscribe at any time, or delete your data. See our Privacy Policy.

Check your inbox. We have sent your report link to . It opens your dashboard after a quick sign-in code.

Saved. Your report is downloading now.

Not sure what to work on next?

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