GUIDE深度 · Deep dive
How Big Should an Emergency Fund Be?
An emergency fund covers job loss, medical bills or repairs, commonly three to six months of essential expenses. Variable income, single-income households or high-risk industries may need more; start with a smaller target.
How to calculate
Count essentials only: housing, food, insurance, transport and minimum debt payments.
Target = monthly essentials times three to six.
Where to keep it
High liquidity and low risk: savings accounts, money-market funds or short-term deposits.
Do not use stocks or long lock-ups; the point is immediate access.
FAQ
Debt or emergency fund first?
Build a small buffer first, then pay high-interest debt to avoid new borrowing.
Is three months enough?
For stable dual income, maybe; single or variable income may need six to twelve.