Financial resilience

Emergency fund calculator

Build a reserve target around the expenses and income risks your household actually carries.

Build your target

Household essentials

Essential monthly expenses

₱

Housing, basic food, utilities, medicine, transport, required debt payments, and essential support.

Starting-point profile

This is a planning heuristic, not an official required amount. Adjust it for your risks.

Months of essentials to target

months

Already saved

₱

Monthly contribution

₱

Your reserve plan

Emergency target

Target emergency fund₱180,0006 months of essential expenses

Emergency fund progressEstimated monthly progress if you keep contributing the same amount.

Fund balanceTarget

₱180K

NowMonth 16Month 32

Amount still needed₱160,000

Current coverage0.7 months

Estimated time to target32 months

Monthly contribution₱5,000

The time estimate ignores account interest and assumes the same contribution each month. Keep emergency money safe and reasonably accessible. Eligible bank deposits are currently insured by PDIC up to ₱1 million per depositor, per bank, subject to PDIC rules.

Use stages

Start with one shock, then build resilience.

A multi-month reserve can feel distant. Your first milestone can be one likely disruption, followed by one month of essentials and then the larger target appropriate for your household.

Eligible bank deposits are insured by PDIC up to ₱1 million per depositor, per bank, subject to coverage rules current as of this review.

Review current PDIC coverage ↗