Emergency fund calculator
Enter your monthly spending and how many months you want to cover to see the goal, what is missing and how long it takes to get there.
Free · no sign-up The values you type stay in your browser: nothing is sent or stored.
Fund goal
R$18,000.00
- Still to save
- R$18,000.00
- Already reached
- 0.0%
- Time to get there
- 36 months
Your result in words
To cover 6 months of spending of R$3,000.00, your ideal fund is R$18,000.00. You still need R$18,000.00: saving R$500.00 per month, you get there in 36 months.
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
What is an emergency fund
It is money set aside for the unexpected, such as losing your income, illness or an urgent repair, without needing a loan. It should sit in a safe investment with daily liquidity.
Where to keep it
Prefer low-risk investments you can withdraw right away, such as a daily-liquidity savings product. The fund exists to be available, not to earn the most.
Formula
How to calculate the goal
M is the fund goal, G the monthly spending and m the months of coverage. People with stable income usually aim for 6 months; freelancers and people with variable income, 12 months or more.
Example
With round numbers, so you can check the math:
To cover 6 months of spending of R$3,000.00, your ideal fund is R$18,000.00. You still need R$18,000.00: saving R$500.00 per month, you get there in 36 months.
Frequently asked questions
How many months of reserve do I need?
For stable income, the common rule is 3 to 6 months of spending. For self-employed people and variable income, 6 to 12 months. The ideal depends on your risk and on who depends on you.
Do I count all spending or only the essentials?
The essentials: housing, food, health, transport and debts. In an emergency you can cut the rest, so the goal is smaller and easier to reach.
Does the math consider the fund's returns?
No. The time to reach the goal adds up only what you save per month. With returns you get there a little sooner.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
