Emergency Fund Calculator Australia
Estimate an emergency fund target from your essential monthly expenses and preferred number of months of cover.
All amounts are in Australian dollars (AUD).
Adjust your plan
Move the sliders or enter exact amounts.
Your estimate
Updates instantly as your numbers change.
Emergency fund target
$10,500
3 months of essential expenses.
Amount still to save
$8,000
The difference between your current fund and target.
How this calculator works
An emergency fund is a cash buffer for essential costs when income is interrupted or an unexpected bill arrives. Choose the amount of cover that suits your circumstances.
Important assumptions
- Only essential monthly expenses are included.
- The target is a planning guide, not a universal rule.
- The calculation does not include investment returns.
These results are general illustrations only and are not financial advice. Actual outcomes can differ.
Turn the estimate into a living plan
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Common questions
Terms explained
- FIRE number
A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.
- Compound interest
Compound interest is earning returns on your past returns as well as on the money you put in.
- Real return
A real return is an investment return after inflation, which shows how much your buying power actually grew.
- Net worth
Net worth is everything you own minus everything you owe.