Emergency Fund Calculator

This calculator works out how large your emergency fund needs to be and how long your current savings will actually last, using a full breakdown of your income and expenses rather than a single rule of thumb. You start by entering your current emergency fund balance, how many months you expect to have before you might need it, and what percentage of your net disposable income you plan to save each month. From there you list your net monthly income across salary, commission, allowances, subsidies, child support, dividends, pension and rental income, then your net monthly expenses across everyday operational costs like groceries, utilities, insurance and vehicle running costs, and financing costs like mortgage, credit card, personal loan and other repayments. The calculator totals your net remuneration, other income and net disposable income, then shows how much you would add to the fund by the time it is needed, your projected new balance, and how many months that balance covers your spending. It also builds out a scenario table showing the fund size needed to cover a run of longer timeframes beyond your projection, so you can see what a bigger buffer would look like. Use it to stress-test a job loss or reduced income, and to see where trimming spending would extend how long the fund lasts. Figures are indicative estimates based on what you enter, not financial advice.

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Emergency Fund Questions

What is your current emergency fund balance?

$

How many months do you think you have until the fund is needed?

What % of your net disposable income will you save until that point?

%

Net Remuneration

Monthly net allowances income

$

Monthly net commission income

$

Monthly net salary income

$

Monthly net subsidy income

$

Monthly net other income total

$

(A)

Net remuneration total

$

Net Other Income

Monthly net child support income

$

Monthly net dividend income

$

Monthly net pension income

$

Monthly net rental property income

$

(B)

Other income total

$

Operational Expenses

Monthly cleaning expenses

$

Monthly clothing expenses

$

Monthly donation expenses

$

Monthly education expenses

$

Monthly entertainment and dining out expenses

$

Monthly gardening expenses

$

Monthly groceries expenses

$

Monthly investment expenses

$

Monthly life insurance expenses

$

Monthly medical insurance expenses

$

Monthly maintenance payment expenses

$

Monthly medical expenses

$

Monthly memberships expenses

$

Monthly property tax expenses

$

Monthly rent paid expenses

$

Monthly repairs/maintenance expenses

$

Monthly subscription-based services expenses

$

Monthly utility expenses (power etc)

$

Monthly vehicle fuel expenses

$

Monthly vehicle maintenance expenses

$

Monthly vehicle insurance expenses

$

Monthly other operational expenses

$

(C)

Total operational expenses

$

Financing Expenses

Monthly bank charges expenses

$

Monthly credit card repayment expenses

$

Monthly technology financing expenses

$

Monthly furniture financing expenses

$

Monthly vehicle financing expenses

$

Monthly mortgage repayment expenses

$

Monthly personal loan payment expenses

$

Monthly other financing expenses

$

(D)

Total financing expenses

$

Net Disposable Income Calculation

Monthly net remuneration total (A)

$

Monthly net other income total (B)

$

Net incomes total

$

Monthly net operational expenses total (C)

$

Monthly net financing expenses total (D)

$

Net expenses total

$

Monthly net disposable income

$

Emergency Fund New Balance Summary:

Net disposable saving at % of $ each month

$

Amount saved additionally until the fund is needed in months

$

New total emergency fund balance after additional months of saving

$

Emergency Fund Drawdown Summary:

Number of month emergency fund balance of $ will last with expenses per month of $


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