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Is My Emergency Fund Big Enough?

Q: What Counts As Essential Spending?

Housing, utilities, groceries, basic transport, insurance, minimum debt payments and essential care costs.

Q: Where Should I Keep My Emergency Fund?

Prioritise accessibility, capital stability and separation from everyday spending.

Emergency Fund Calculator

Enter your essential monthly spending and the cash you could use quickly. See how many months it covers and how long it takes to reach your target.

New to this? Read The Short Guide First →

Page updated 11 September 2026 · Your target, not a universal rule

1 Your Numbers

Your Cash Buffer

Essential Spending (S$/month)

Housing, utilities, groceries, transport, insurance and minimum loan repayments.

Emergency Cash You Can Use Now (S$)

Money you could use within a few days, such as savings and current accounts. Leave out investments, any CPF savings and credit limits.

Target Coverage (Months)

On a work pass? If your job ends, your employer must cancel your pass within a week of your last day of notice. Your employer can ask for a Short-Term Visit Pass of up to 90 days on an Employment Pass, or 30 days on an S Pass, to find a new job or move home. That is why a bigger buffer, plus the cost of moving home, helps: enter that cost below. MOM: Employment Pass ↗ (opens in new tab) · MOM: S Pass ↗ (opens in new tab) · Read More →

Amount You Can Add Each Month (S$/month)

One-Off Cost To Move Home If Your Job Ends (S$, Optional)

For example flights home, ending a lease early or shipping your things. Leave at 0 if it does not apply. It is added to your target and set aside first.

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2 Your Result

Your cash covers

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Target Emergency Fund

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Amount Still Needed

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Time To Reach Target

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Cash Above Target

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What This Estimate Assumes

Rough guide only. We divide your emergency cash by your essential monthly spending, after setting aside any one-off moving cost you enter (that cost is also added to the target). You choose the target, as there is no single right number. Time to target assumes you add the same amount each month, with no withdrawals, interest, inflation or spending changes. Investments, credit limits and CPF are left out because getting that money may mean a loss, cost or conditions.

3 What Next

Step 4 of 5 in Save More Each MonthHow Much Do My Subscriptions Really Cost?Subscription & GIRO Audit →Read The GuideHow Much Emergency Fund Do I Need In Singapore? →

Before You Use This Number

What Counts As Essential Spending?

Start with housing, utilities, groceries, basic transport, insurance, minimum debt payments and essential care costs. Leave out spending you could pause during a disruption.

Where Should I Keep My Emergency Fund?

Keep it easy to reach, safe from losses and apart from your daily spending money. Compare account conditions before you choose where to keep it.