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Handling the Unexpected: Emergency Fund

Provided by Visa, Content Partner for the SME Toolkit

Emergency Fund

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Use this calculator to see how much you need to put aside for your emergency fund.


Current emergency funds available QR
Number of months you want the emergency funds to last  
Number of months over which you want to accumulate your emergency fund  


Total monthly living expenses. If you plan to itemize (below), leave blank QR

or Itemize Monthly:

Mortgage or rent payment QR
Vacation home (mortgage) QR
Automobile loan(s) QR
Personal loan(s) QR
Charge accounts QR
Federal income tax (per month) QR
State income tax (per month) QR
FICA (social security tax - per month) QR
Real estate taxes - monthly QR
Other taxes QR
Utilities QR
Household repairs and maintenance QR
Food QR
Clothing and laundry QR
Educational expenses QR
Child care QR
Automobile expenses (gas, repairs, etc.) QR
Other transportation expenses QR
Life insurance premiums - monthly QR
Homeowners/renters insurance (monthly) QR
Automobile insurance (monthly) QR
Medical, dental and disability insurance QR
Entertainment and dining QR
Recreation and travel QR
Club dues QR
Hobbies QR
Gifts QR
Major home improvements and furnishings QR
Professional services QR
Contributions QR

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