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How this calculator works
Target = essential monthly expenses × months of cover. The gap is the target minus what you already have, divided by your monthly saving to estimate the time to build it.
Frequently asked questions
Where should I keep my emergency fund?
In a safe, easy-to-access account such as an insured high-interest savings account — not in stocks, which can fall exactly when you need the money.
Should I build it before paying off debt?
Many people build a small starter fund first, pay off high-interest debt, then finish the full emergency fund.