Savings rate
What share of monthly income you put aside, and the yearly pot.
Open a calculatorEmergency fund
The target is monthly spending times the months you want on hand. Three to six months of essential bills is the usual classroom range. The gap is the target minus cash you already have. Months to fill it assume a constant monthly deposit and no return. This is a cash buffer, not the FIRE nest egg.
Essential bills and groceries only — rent, utilities, food, transport; skip holidays and fun. The target is this × months.
Essential bills and groceries only — rent, utilities, food, transport; skip holidays and fun. The target is this × months.How many months of spending to keep in cash — 3–6 is a common buffer for job loss; more if income is irregular.
How many months of spending to keep in cash — 3–6 is a common buffer for job loss; more if income is irregular.Cash and short-term deposits earmarked for the fund — not investments or money you need for everyday spending.
Cash and short-term deposits earmarked for the fund — not investments or money you need for everyday spending.A steady monthly deposit toward the gap — the calculator assumes no interest and no withdrawals while you save.
A steady monthly deposit toward the gap — the calculator assumes no interest and no withdrawals while you save.Target
30,000
Still to save
22,000
Months to fill the gap
14.7
Target: 30,000
Keep this pot in cash or a short deposit, not in the same account as the FIRE number. A mortgage holiday is not an emergency fund.
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An educational estimate. Not medical, tax or credit advice.