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Emergency fund

Customer's emergency fund

Fill in the details to see the emergency fund

Monthly expenses, plus the cash and deposits held today. Enter 0 if there are no savings yet

Adjust the plan

Emergency fund target
3 minimum · 6 standard · 9 extra buffer · 12 irregular income
Expense breakdown

Enter each expense category per month · monthly expenses equal the total

Assumptions
Emergency fund target6 monthsDefault is 6 months of expenses
Return on the reserveNot countedHeld in deposits or money market funds, so the plan counts no return

Months covered = cash and deposits ÷ monthly expenses

Note: The results and summaries from this tool (such as whether a goal is reached) are preliminary estimates based on the information and assumptions provided, for planning purposes only. They do not guarantee any outcome or future return, and are not investment advice or personalised financial advice. Actual results may differ from those shown, because the calculation may not cover every factor, such as taxes, fees and market volatility. Investing involves risk. Investors should study and understand a product's features, return conditions and risks before making an investment decision. Past performance is not a guarantee of future performance.