কীভাবে Emergency Fund Months গণনা করবেন
Emergency Fund Months কি?
An emergency fund calculator tells you how many months of living expenses your savings cover. Financial advisors recommend 3–6 months for employed workers and 6–12 months for self-employed or variable income earners.
সূত্র
fund_amount = monthly_expenses × months_of_coverage (typically 3–6 months)
- exp_monthly
- Monthly expenses ($) — Average monthly spending
- months
- Months of coverage (months) — How many months to cover (3–6 recommended)
- fund
- Emergency fund ($) — Total amount to save
ধাপে ধাপে নির্দেশিকা
- 1Months of Coverage = Emergency Fund ÷ Monthly Expenses
- 2Monthly expenses include rent, food, utilities, insurance, and minimum debt payments
- 3Does not include discretionary spending like dining out or holidays
- 4Aim for the higher end if you have dependents or variable income
সমাধান করা উদাহরণ
ইনপুট
$15,000 saved, $3,000/month expenses
ফলাফল
5 months coverage — Adequate
ইনপুট
$6,000 saved, $2,000/month
ফলাফল
3 months — Minimum acceptable
ইনপুট
$50,000 saved, $5,000/month
ফলাফল
10 months — Excellent for self-employed
সচরাচর জিজ্ঞাসা
How many months should my emergency fund cover?
3 months: minimum. 6 months: comfortable. 12 months: very conservative (useful if unemployed long-term).
What expenses should I include?
Housing, utilities, food, insurance, minimum debt payments. Exclude: vacations, hobbies, non-essential spending.
Where should I keep emergency funds?
High-yield savings account (currently 4–5% APY in US). Liquid, insured, accessible. Avoid stocks (too volatile) or under mattress (unsafe).
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