Emergency fund

How many months your household could keep going if income stopped.

Your result

Months of cover you have now: 1.4 months
Indicative target for your situation: 4 months
Gap to that target: R 47 000

What this assumes

Assumes expenses stay flat and no new income arrives.
Target rises with income variability and with dependants, because both make a shock harder to absorb.
A widely used general guide is three to six months. This is a rule of thumb, not a rule.

This tool gives an indicative estimate based only on the figures and assumptions you entered. It is general information for educational purposes, not financial advice and not a recommendation to buy any financial product.

No product is recommended or implied here. Whether anything is suitable for you depends on your circumstances and needs a full advice process.

What this number does not know

It has not seen your tax position, your existing policies, your employer benefits or anything about your health. Those change the answer materially. If the figure surprised you, that is worth a conversation.

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