🛟 Planning
Emergency Fund Calculator — How Much Should You Save?
Work out a right-sized emergency fund and how long it will take you to build it.
Target fund
LKR 720,000
Still need
LKR 670,000
Months to reach target
45
How this is calculated
Target = Monthly essential expenses × Months of cover you want.
Time to build = (Target − Current savings) ÷ Monthly amount you can save.
Frequently asked questions
How much should I keep as an emergency fund?
A common guideline is 3–6 months of essential expenses. Freelancers, single-income households or those with dependents may aim for 9–12 months.
Where should I keep it?
In a liquid, low-risk place — a savings account or short-term fixed deposit that you can access within a day or two.
Should I invest my emergency fund?
No. Its purpose is safety, not returns. Keep it separate from your long-term investments.
How long will it take to build?
The calculator shows how many months of saving are needed at your current pace to hit the target.
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Results are indicative estimates only. Actual rates, taxes and fees vary by institution and change over time. Confirm figures with your bank, employer or a qualified financial advisor before making decisions.