Emergency-fund coverage calculator
Coverage depends on the monthly gap, not on total spending when some income continues.
Months covered
6.00
- Weeks covered
- 26.0
- Monthly amount savings must cover
- 2000.00
- Six-month target
- 12 000.00
- Gap to that target
- 0.00
Show the working
- Accessible savings = 12 000
- Monthly essential spending = 2500
- Monthly replacement income = 500
- Monthly amount savings must cover = max(2500-500,0) = 2000
- Months covered = 2000>0?12 000/2000:0 = 6
- Weeks covered = 6*52/12 = 26
- Six-month target = 2000*6 = 12 000
- Gap to that target = max(12 000-12 000,0) = 0
Values are shown to six significant figures here; the arithmetic itself runs on exact fractions and is only rounded where a number is printed.
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The formula
- months covered = savings / (essential spending - replacement income)
Keep emergency money accessible and adjust the spending estimate for the situation you are planning.