Emergency fund calculator
Find out exactly how much you need to cover 3–6 months of essential expenses, and how long it will take to reach your target.
Inputs
Result
Why an emergency fund matters
An emergency fund is the first step in personal finance. It protects you from unexpected events — job loss, medical bills, car repairs — without forcing you into expensive debt like credit card revolving balances.
How much should you save?
- Stable income (employee): 3–6 months of essential expenses.
- Variable income / freelancer: 6–12 months.
- Sole earner of the household: aim for 12 months.
Count only essentials: housing, food, utilities, transport, healthcare, minimum debt payments. Don't include entertainment or eating out.
Where to keep it
Use a high-yield savings account or a short-term, liquid investment (e.g., money market, T-bills). Liquidity matters more than the last basis point of yield.
Track your fund as a goal in LAPI and watch it grow toward the target.
Build your emergency fund in LAPI
Set a goal, track contributions and reach it faster.