What to include
Focus on the costs you would still need to pay if work slowed down: housing essentials, food, transport, utilities, and any other bills that protect stability.
Emergency fund planning built around the bills that keep your life moving.
Start with your essential monthly costs, choose how many months of coverage you want, and use the total as a concrete savings target to work toward.
How to use it
Edit the preset values to match your own monthly spending, then change the month count to see the emergency fund value you want to aim for.
Build your target
Calculate the amount your emergency fund should cover.
Custom sections
Add any other essential monthly costs you want included in the target.
Monthly essentials total
₦110,000
This total only includes the categories listed above. Add more buffer if you want to plan for irregular essential expenses too.
Emergency fund target
₦660,000
Based on ₦110,000 in essential monthly costs for 6 months.
Capture this plan
Your next step
Turn your target into a savings plan.
Get our free emergency fund guide and planning template, with practical steps to build your buffer at your own pace.
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