Set the inputs
Enter monthly essential expenses and debt payments, plus existing reserves. Do not automatically substitute your entire income for expenses.
Emergency fund
Plan a reserve from essential expenses, debt commitments and the number of months you want covered.
Calculation result
Adjust the example inputs, then calculate to see your result.
Do not count debt payments twice in essentials. Include only available cash reserves, excluding volatile or restricted assets. Target = (essential expenses + debt payments) × reserve months. No interest or inflation. The 3, 6 and 12-month comparisons are scenarios, not a personal recommendation.
How to use this calculator
Check the terms
Choose months of coverage and monthly savings, considering income uncertainty and dependants.
Read the result
Read the target, shortfall and accumulation time. Keep this reserve separate from money committed to other purposes.
A worked example
Illustrative calculation
Essential expenses including debt payments of 15,000 THB per month require a 90,000 THB reserve for six months.
Compare a second scenario
At 15,000 THB of monthly expenses, three months means 45,000 THB and six means 90,000 THB. Coverage is a personal scenario, not a mandatory rule.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
Coverage months are user-selected. Health, employment and insurance risks are not assessed, and reserves must remain accessible when needed.