Finance
2 sheetsExcel
Emergency Fund
Calculate the cushion that lets you sleep.
First, measure what you actually spend. Then find out how many months you'd survive without income — and how far you are from the number that lets you relax.
“I should save more” isn't a plan — it's background guilt. Without a concrete number, an emergency fund is a vague intention that never arrives, and every surprise gets lived as a crisis.
Why it works
An emergency fund is money set aside and accessible to absorb a real blow: losing your income, a serious repair, a medical expense. It's not an investment or savings for a treat — it's the foundation that keeps one bad month from turning into expensive debt.