Free Interactive Tool

Emergency Fund
Calculator

Your buffer against the unexpected. Find your target, your timeline — and exactly what to do once the fund is full.

The Storehouse

"The wise store up choice food and olive oil." — Proverbs 21:20

Fund Complete By
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C$
Rent, food, transport, utilities, insurance, minimum debt payments — survival mode only, not your full lifestyle.
6 months — the standard target: solid cover for job loss or illness.
C$
C$
Automate this to leave on payday — the ant stores before it needs.
✓ Your fund is already at target. Skip to the roadmap below — your money has a new job now.
Your Emergency Fund Target
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0% funded—
—Still to Save
—Months to Goal
—Completion Date
—Per Day Equivalent

The Roadmap — Before and After the Fund Is Full

1
Park it where it's safe and reachable — not invested
An emergency fund's job is to exist, instantly, on a bad day. Use a high-interest easy-access savings account. Never the stock market — a crash and a job loss love to arrive together.
2
Automate the monthly amount until the target — then stop
This fund has a finish line. More than your target sitting in cash slowly loses to inflation. When you hit it, stop adding — and only refill after an emergency actually spends it.
3
The day it's full, give the monthly amount a new job: investing
The same automated transfer now flows into a low-cost global index fund instead. See what it becomes in the Compound Interest Calculator, and take the first steps with Solomon's Investing Starter Kit (free PDF).

For education only — not financial advice. Targets are guidelines; choose the cover level that fits your household's risk.

"The wise store up choice food and olive oil, but fools gulp theirs down."

— Proverbs 21:20 · Build the storehouse before the famine.
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