Emergency Fund Calculator
Know exactly how much you need to be financially secure
Calculate your personalized emergency fund target based on your income stability, dependents, and insurance coverage. Get a realistic savings plan tailored for Filipino financial realities.
Personalized Calculation
Get a target based on YOUR income stability, dependents, and insurance coverage - not generic advice.
Philippines-Focused
Recommendations include BPI, CIMB, UnionDigital rates and Filipino financial realities.
Action Plan Included
Get step-by-step savings milestones and account recommendations to reach your goal.
๐ How to Calculate Your Emergency Fund
Enter Your Finances
Input your monthly income, expenses, current savings, and debt payments.
Add Your Situation
Select employment status (freelance needs more savings) and insurance coverage.
Get Your Target
See exactly how much you need and a realistic timeline to reach your goal.
Follow the Plan
Use the personalized recommendations to automate savings and reach milestones.
In a financial crisis NOW? Learn how to access emergency financial aid (DSWD, PCSO, SSS) โ
Find Government Benefits You May Qualify For
Browse 50+ government assistance programs from SSS, Pag-IBIG, DSWD, PhilHealth, and more. Our Tulong Module helps you discover benefits available to Filipino citizens.
๐ PRO users unlock AI-powered eligibility checker to find programs matched to your situation
Calculate Your Emergency Fund
โ Frequently Asked Questions
Last updated: December 2025. Always verify current rates with your bank.
โ ๏ธ This tool is an estimator ONLY and does not constitute financial advice. The calculations are for informational and planning purposes. Your actual emergency fund needs will vary based on your personal situation, income stability, debt obligations, health risks, and lifestyle. This tool is not a substitute for professional financial planning. Please consult a licensed financial advisor (RFP, CFA) for personalized advice tailored to your unique circumstances.
General guideline: 3-6 months of essential expenses. Freelancers and self-employed: 6-12 months due to irregular income. Stable full-time employees with HMO: 3-6 months. Single income with dependents: 6-12 months. Our calculator adjusts based on your specific situation.
High-interest savings accounts are best: BPI Save Up (up to 4%), CIMB UpSave (3-4%), UnionDigital (2.5-3%), Maya Savings (up to 6% promo). Avoid time deposits (locked), stocks (volatile), or checking accounts (too accessible with low interest).
Build a small emergency buffer first (โฑ10,000-20,000), then aggressively pay high-interest debt (credit cards at 24-36% APR). After debt is cleared, build your full emergency fund. This prevents using credit cards for emergencies, which worsens debt.
Having HMO + PhilHealth significantly reduces medical emergency costs. Without insurance, you need an extra 2-3 months of expenses saved. HMO can cover โฑ50,000-200,000+ in medical bills that would otherwise drain your savings.