The boring pot that makes every other money decision braver. Find your number and how fast you can build it.
Your Situation
Essential Monthly Expenses
Months of Cover You Want
Cash Saved Today
You Can Save Per Month
Your Results
Your emergency fund target
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Still to save
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Cover you have today
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Fully funded in
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Progress
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Rule of thumb: 3 months if your job is secure and there are two incomes at home. 6 months as the default. 9 to 12 if you are the only income, on contract, or have kids. Keep it boring, instant-access, and separate from your spending account.
Target is essential monthly expenses times the months of cover you choose. Essential means rent or mortgage, food, utilities, insurance and childcare, not your full lifestyle. The time to fully funded divides the gap by your monthly saving, ignoring deposit interest, which at these timescales barely moves the answer.
This calculator is for information only and is not financial advice. Figures are estimates based on what you enter. Tax rules change, check revenue.ie for the latest. Talk to a qualified financial adviser before making big money decisions.
