Emergency Fund Calculator

Estimate a recommended emergency fund size based on your essential monthly expenses and buffer months.

Essential monthly expenses (SGD)

Buffer months

Current emergency savings (SGD)

Monthly top-up (optional, SGD)

Recommended emergency fund

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Gap / surplus vs current savings

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Time to reach (if monthly top-up provided)

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Disclaimer: Estimates are for education only and do not consider your full financial situation. Consider speaking to a licensed adviser before acting.