WORKING WEALTH / AUSTRALIA

Emergency fund planner

Explore a buffer based on essential expenses and time needed to save it.

Read the lesson → Maths & Excel walkthrough →

Educational scenarios only. All amounts are AUD. These calculations do not assess your circumstances or recommend a product or strategy. Results are estimates, not forecasts or personal financial, credit or tax advice. Inputs stay in your browser and are not saved automatically. The optional Save control stores a scenario on this device; exported files contain your entered amounts. Check official rules and actual provider terms. Prepared by the Working Wealth editorial team, 1 November 2026; independent professional review is pending.

Assumptions and limits

Constant essential expenses and monthly saving; no interest, inflation or withdrawals. A chosen number of months is a scenario, not an adequate buffer recommendation. Existing savings must be accessible and available for this purpose. The final month may require less than the regular deposit.

References and verification

Official references checked for this release on 1 November 2026. Rules and product terms can change.

ASIC Moneysmart: emergency funds ↗