Emergency Fund Calculator

Determine your emergency fund goal and see how long it will take to reach it.

Example: A Nairobi-based family with monthly expenses of KSh 60,000 should aim for an emergency fund of KSh 180,000 to cover 3 months.

Monthly Living Expenses (Ksh)

Months of Expenses to Save

Current Emergency Fund Savings (Ksh)

Monthly Savings Contribution (Ksh)

Tips for Building Your Fund

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**Start small:** Don’t get discouraged. Even small, consistent savings add up over time.
**Automate your savings:** Set up an automatic transfer from your checking to your savings account each month.
**Keep it separate:** Store your emergency fund in a dedicated, high-yield savings account or a Sacco for easy access when you need it.
**Avoid using M-Pesa or mobile wallets:** While convenient, these accounts are for everyday transactions. A separate savings account will help you avoid the temptation to spend your emergency money.
**Review and adjust:** Your monthly expenses may change over time. Revisit your calculations and savings goal every 6-12 months.

Emergency Fund Calculator