Financial Cushion Calculator

Use this tool to estimate a practical emergency fund target before taking on heavier long-term investing. It is useful for deciding how much safety buffer may help you stay calm during job changes, unexpected bills, or market drops. After you get a number, the next check is whether that cushion feels realistic for your own household and monthly expenses.

Monthly essential expenses (€) Current emergency savings (€) Target months (3 to 6)

Assumptions

Emergency fund target is based on your essential monthly expenses × months.
It is a planning helper, not a rule.