Як розрахувати Emergency Fund Months
Що таке Emergency Fund Months?
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.
Формула
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
Покрокова інструкція
- 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
Розв'язані приклади
Введення
$15,000 saved, $3,000/month expenses
Результат
5 months coverage — Adequate
Введення
$6,000 saved, $2,000/month
Результат
3 months — Minimum acceptable
Введення
$50,000 saved, $5,000/month
Результат
10 months — Excellent for self-employed
Часті запитання
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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