Emergency Fund Calculator | Finanz2Go

Calculate a cash-buffer target, your funding gap and an illustrative saving timeline using your own spending assumptions.

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Calculators · Cash reserves

Emergency fund calculator

How much cash would cover the buffer you have in mind? Put a number on the target, then work out the gap.

Your own reserve targetSaving gap and timelineRuns in your browser
Blue and white illustration of a bank, home and protective shield linked by a path

Build your own target

The starting values are an example, not a recommended emergency fund size.

Your selected cash-buffer target

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Still to set aside—
Current spending coverage—
Time to target at this saving rate—

Inputs stay in this calculator. This code does not send or save the amounts you enter.

Fabian Beining
Fabian BeiningFounder of Finanz2Go · Updated 26 October 2026

Start with the bills that would still be there.

Rent does not stop when an income does. Neither do groceries, utilities or agreed debt payments. Add the costs you would need to keep paying, rather than using your full salary as the starting point.

Keep life running

Housing, food, transport and the regular payments you could not simply pause.

Allow for your situation

Think about dependants, uneven income, a move or a gap between jobs.

Count accessible cash

Separate money available for emergencies from money committed to a known bill.

Choose the buffer. The calculator does the arithmetic.

There is no universal number in this tool. You choose the months of spending and the extra amount. The target is those months multiplied by essential spending, plus the one-off buffer. The funding gap is the target minus existing savings, with a minimum of zero.

If you enter a monthly saving amount, the time-to-target figure rounds the remaining number of months up. It assumes no interest, no withdrawals, constant spending and regular saving. If the saving amount is zero and a gap remains, the tool shows that there is no calculated completion date.

Keep separate pots separate. Money earmarked for a tax payment, rent deposit or planned purchase is already doing a job. Counting it again as an emergency reserve can make the buffer look larger than it is.

Before deciding where to keep the money

  • 01Check how quickly you can withdraw it.
  • 02Read the account’s conditions and any transfer limits.
  • 03Keep the plan distinct from long-term investment scenarios.
  • 04Revisit the target when household spending or income changes.

Questions about the result

Does the target include interest or tax?

No. It is a simple cash-flow plan with no interest, investment return or tax assumptions.

Is three months the right amount for me?

The three-month starting value is only an example. The tool cannot assess your job security, entitlements, family support or other circumstances. Choose the scenario you want to explore.

Why can spending coverage exceed the chosen months?

Coverage divides all entered accessible savings by monthly spending. The target can also include an extra buffer. The progress bar stops at 100%, while the coverage number continues to show the actual ratio.

Read about savings accounts in Germany · Explore the calculator hub