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Emergency fund and savings rate calculator
How long could you cover your essential costs if your income stopped? Enter your monthly numbers to see how many months your cash covers today, your target, and how long it takes to close the gap.
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€3,800 pay · €2,100 essentials · €6,000 cash
Essential spending your cash covers today
2.9 months
Common range: many personal-finance guides suggest 3–6 months of essential costs · Information, not advice
- Target (6 months)
- €12,600
- Gap
- €6,600
- Time to close
- ≈ 4 months
Savings rate 44.7% of take-home pay
How this works
Months covered = cash savings ÷ monthly essential spending. Target = essential spending × target months. Gap = target − cash (never below zero).
Savings rate = what you save each month ÷ take-home pay. If you leave the savings field empty, we use take-home pay minus essential spending, which is the most you could save. Months to close the gap = gap ÷ monthly savings, rounded up.
3–6 months of essential spending is a common rule of thumb. People with income in one country and family commitments in another often choose the higher end.
inWst provides information, not financial, investment or tax advice. Figures are based on the data you provide and public reference rates, and may contain errors. For decisions, consult a licensed adviser.
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