[Calculators](https://pecuvo.eu/en/calculators/) · Emergency fund # How many months would my money last? Emergency fund calculator The emergency fund is the wall against the unexpected: losing a job, a repair, an illness. Enter what you have and what you spend each month. The numbers stay in your browser and are not sent anywhere. Knowledge, not financial advice — for a specific decision, read the contract and ask an independent specialist. ## How it is calculated Months = reserve ÷ monthly spending. The 3–6 month guideline is from Module 8 (“The reserve before everything”); for the self-employed and with an uncertain income — rather 6 or more. ## The terms in the Glossary - [Emergency fund](https://pecuvo.eu/en/glossary/emergency-fund/) — An emergency fund (reserve) is money set aside only for unexpected costs — illness, repairs, losing a job — kept accessi - [Personal budget](https://pecuvo.eu/en/glossary/personal-budget/) — A personal budget is a plan of how much money comes in and where it will go over a period — for example a month — regula - [Saving](https://pecuvo.eu/en/glossary/saving/) — Saving is setting aside part of your income today to use later — for a reserve, a goal or the future — with the money ke ## In depth in the modules - [Module 8 · The iron principles of cash flow](https://pecuvo.eu/en/modules/the-iron-principles-of-cash-flow/) - [Module 9 · Managing cash flow — with the tool](https://pecuvo.eu/en/modules/managing-cash-flow/) ## More calculators - [Net salary (example: Bulgaria)](https://pecuvo.eu/en/calculators/net-salary-bulgaria/) - [Loan and APR](https://pecuvo.eu/en/calculators/loan-repayment-apr/) - [Compound interest](https://pecuvo.eu/en/calculators/compound-interest/) - [Saving for a goal](https://pecuvo.eu/en/calculators/savings-goal/) - [Pay yourself first](https://pecuvo.eu/en/calculators/pay-yourself-first/) - [Budget](https://pecuvo.eu/en/calculators/budget/) - [Inflation](https://pecuvo.eu/en/calculators/inflation/) - [Bulgarian lev and euro](https://pecuvo.eu/en/calculators/lev-to-euro/)