Free planning tool
Emergency fund calculator
Explore how your essential monthly expenses and a coverage period you choose shape a savings target. Compare it with what you have now and see what regular contributions could change. No account needed.
Build your scenario
Use non-negative euro amounts. Choose 1–120 months of coverage; this is your scenario, not a personal recommendation. Results update as you type.
Include costs you would still need to cover, such as housing, utilities, groceries, and transport.
Choose the period you want to explore.
Optional. Add an amount to estimate the time to reach the target.
Your amounts stay in this browser page. They are not saved or included in analytics.
Your emergency fund estimate
Illustrative example — edit any amount to explore your own scenario.
Your target
€10,800.00
Monthly essentials × months of coverage
Remaining gap
€8,300.00
Target minus current savings, floored at zero
Estimated time to target
24 months
At €350.00 per month, round the gap ÷ contribution up to the next whole month.
This is a simple no-interest estimate. It assumes your essential expenses, savings, and monthly contribution stay constant. It does not include interest, inflation, changing bills, or unexpected withdrawals.
Want to plan a savings goal?
Explore budget goals or create a budget in Spendly Budget. You can enter your goal there separately.
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