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Emergency Fund Calculator

Work out how much to keep aside for emergencies, how far you are from it, and how many months it will take to get there.

Rules last checked 25 October 2026Every step shown

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PKR

Rent, bills, groceries, school fees, transport, medicine: what you'd still pay with no income.

PKR
PKR

Emergency fund to aim for

Rs 900,000

Still to save
Rs 700,000
Reached in
18 months
Months covered now
1.3333

Aim for Rs 900,000. You need Rs 700,000 more, about 18 months at Rs 40,000 a month.

How it's worked out

  1. TargetRs 150,000 × 6 monthsRs 900,000
  2. GapRs 900,000 − Rs 200,000Rs 700,000
  3. TimeRs 700,000 ÷ Rs 40,000 a month18 months
  • Keep it somewhere you can reach within a day or two, and separate from money for planned spending.

The formula

Target = essential monthly spending × months · Time = (target − saved) ÷ monthly saving

Worked example

With Rs 150,000 of essential spending a month, six months is Rs 900,000. With Rs 200,000 saved and Rs 40,000 a month going in, you'll be there in 18 months.

Questions people ask

How big should an emergency fund be?

Three to six months of essential spending is the usual advice; more if you're self-employed, have one income or support a family.

What counts as essential spending?

What you'd still pay if your income stopped: rent, bills, groceries, school fees, transport and medicine.

Where should I keep it?

Somewhere you can reach within a day or two and won't be tempted to spend, kept separate from your everyday account.

Formula and rules last checked 25 October 2026Written and tested by the CalculatorDex teamReport a problem