11 — Budgeting & Foundations
Emergency Fund Calculator
Calculate the emergency fund you need to cover 3–12 months of essential expenses.
Live instrument11 / Emergency Fund Calculator
Currency
$
6 months
$
Target fund
$15,000
Still needed: $15,000
0%$0
Illustrative only. Coverage targets depend on income stability and dependants.
11 / PDF
A 4-page PDF with your numbers, market context and next steps.
Why this page exists
Most financial advice starts with a product. Independent advice starts with arithmetic. These calculators let you verify the assumptions behind any proposal you receive — from a bank, an insurer or an advisor — before a single euro or dollar moves. Nothing is stored, nothing is sent anywhere: every calculation runs entirely in your browser.
Other calculators
Numbers checked. Now what?
A 30-minute exploratory call — no sales pitch, a technical conversation about what your numbers actually mean for your portfolio.
- A read of your current allocation, fees included
- Where your assumptions are optimistic — and where they are not
- Whether Titanium or AFA is the right fit, or neither