Emergency fund calculator
Monthly essentials × months → target (gap + time)

Inputs

Use monthly numbers (or any period, as long as you stay consistent).

Rent/mortgage, utilities, groceries, insurance, debt minimums…
Common rules of thumb: 3–6 months, sometimes more.
Cash you can access quickly (high-yield savings, cash, etc.).
How much you can add each month.
APY/APR approximation (compounded monthly in this MVP).
If set, we’ll estimate the target date.
Fill inputs, then click Calculate.
Notes
• Target fund = monthly essentials × target months.
• Time-to-target is simulated monthly (interest then contribution).
• This is a planning aid, not financial advice.
About / 關於

Emergency fund calculator — Emergency fund calculator: monthly essential expenses × target months → goal. See the gap and estimate months to reach it (optional interest). Shareable, browser-only MVP.

Example: Use this tool to sanity-check numbers quickly, then share the link if you need to discuss with others.

FAQ: (1) Does it upload my data? No—runs in your browser. (2) Can I share results? Yes—use the share link feature. (3) Is it authoritative? Treat it as a convenience, not professional advice.

緊急預備金計算器 — 緊急預備金計算：每月必要支出 × 目標月數 → 需要多少；顯示缺口與預估達標時間（可選利率）。可分享連結、純前端 MVP。

範例：用這個工具快速試算與對照結果，需要討論時再把連結分享給對方。

FAQ： (1) 會上傳資料嗎？不會，計算在瀏覽器內完成。 (2) 能分享結果嗎？可以，用分享連結。 (3) 準確嗎？請把它當作便利工具，不是專業建議。