Calculator
Emergency fund amount: your expenses, times your risk months
The emergency fund amount is a simple product — monthly expenses multiplied by the months of risk you want to cover. The hard part is the monthly expenses figure: most people guess. A dated ledger totals your real spending, so the target is calculated, not estimated.
- Real expense total
The target comes from your actual dated expenses, not a guess.
- Milestones dated
One month, three months, six months — each crossing visible on the calendar.
- Scheduled build
Recurring transfers grow the fund automatically.
- Completion date
The projection shows when the fund reaches the target at the current rate.
The calculation
Total your real monthly essentials — housing, food, transport, insurance, minimum debt — and multiply by your chosen months: three for stable income, six for single income, up to twelve for irregular. That product is the target. The calendar shows the build reaching it date by date.
From target to schedule
- Total one month of essential expenses from your ledger.
- Pick your risk months and calculate the target.
- Set a recurring transfer on payday.
- Track the projection to the completion date.
Frequently asked questions
How do I calculate my emergency fund amount?
Monthly essential expenses times your risk months — three for stable income, six to twelve for irregular.
What counts as essential expenses?
The non-negotiables: housing, food, transport, insurance, minimum debt payments.
Is it free?
Yes — the calendar and scheduled transfers are free forever.
A target you can actually calculate
Free core, one-time Pro, no bank linking.