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A buffer for real life.
An unexpected repair or a quiet work month is easier with some room to breathe. Estimate a reserve that fits your essential costs.
Let’s check those numbers.
Complete the highlighted fields to see your estimate.
Your emergency fund target
—Your estimate will appear here.
Still to build—
Current cover—
Save keeps this scenario in this browser. Downloads are CSV files you can open in a spreadsheet. About your data
What goes into the number?
Emergency target = monthly essentials × months of cover
Three to six months is a common starting point, not a requirement. Income stability, dependants, insurance and access to support can change the buffer you need. Time to target is rounded up to a whole month and assumes a steady contribution, no withdrawals and no interest.
Use this as a planning estimate, then adjust it for your circumstances.