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# Emergency fund template

By Ratio · Every result was worked out by Ratio on 5 November 2026

List what you must pay every month, multiply by the months you want covered, and see how long it takes to save the rest.

| You type | Ratio shows |
| --- | --- |
| # Emergency fund | |
| Rent 1100 | 1,100 |
| Utilities 140 | 140 |
| Groceries 420 | 420 |
| Transport 90 | 90 |
| Insurance 60 | 60 |
| monthly = sum | 1,810 |
| | |
| goal = monthly * 6 | 10,860 |
| saved = 2500 | 2,500 |
| left = goal - saved | 8,360 |
| left / 400 | 20.9 |

## How it works

Only essentials go in the list: what you would still pay after losing your income. The last line divides what's missing by what you can save each month: just under 21 months here.

## Make it yours

Change 6 to 3 for a smaller cushion or 12 for a bigger one, and 400 to what you can put aside each month.

## Questions

**Three or six months?** Six is a common rule. People with steady jobs and two incomes often pick three; freelancers often pick more.

## Related

[Monthly budget template](https://useratio.app/templates/monthly-budget) · [Compound interest calculator](https://useratio.app/compound-interest-calculator) · [All templates](https://useratio.app/templates)

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Source: https://useratio.app/templates/emergency-fund