Notgroschenrechner — Formel

Emergency Fund Guideline

Emergency Fund = Monthly Essential Expenses × Months of Coverage

Most financial advisors recommend 3-6 months of essential expenses. Self-employed or single-income households should aim for 6-12 months.

Lösungsbeispiel

Typical household expenses with 6 months coverage.

  1. Monthly expenses = $1,500 + $200 + $500 + $300 + $200 + $300 = $3,000
  2. Emergency fund = $3,000 × 6 = $18,000