Emergency Fund Calculator

Life happens — job loss, sickness, that phone call. Let's size your cushion so it bends, not breaks, you.

I think in…

Rent, food, transport, fees, family support — survival mode, not lifestyle mode.

How steady is your income?

Your target cushion

months ×

funded

Smart placement for this money

  • Keep it in a money market fund — accessible in 2–4 days, earning real interest, away from impulse spending.
  • Split a small float to mobile-money savings for true same-day emergencies.
  • Not in shares or land — emergencies don't wait for the right price.
  • Not in your everyday account — it will quietly become airtime and weekend plans.

PDF report

Your fund plan, printable.

Keep this plan