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Emergency fund

General calculation · any country

An emergency fund is money set aside for the unexpected: a breakdown, a surprise bill or a period without income. A common target is 3 to 6 months of essential expenses.

€
Only the essentials: housing, food, utilities, transport and debt payments.
3 months if your job is stable; 6 or more if you are self-employed or your income varies.
€
€
Your target emergency fund
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Still needed
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Time to get there
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Progress: —

Keep this money in a separate account you can access quickly and without risk of losses (for example, an easy-access savings account).