Coverage is measured against the expenses you would keep paying if your income stopped. Review housing, food, utilities, transport and minimum debt payments.
An example with numbers
If your essential expenses are $1,400 a month and you have $4,200 in accessible savings set aside, you have three months of coverage. If expenses rise to $1,750, the same balance covers 2.4 months.
Try it with your numbers
Enter two scenarios for essential expenses. Choose a coverage target that makes sense for your household and see how much is missing in each case.
Example figures for learning purposes. They are not a recommendation and do not replace professional advice.