Find your target emergency fund size and how long it'll take to build it. Amounts shown in NZD ($).
Tax year: 2026-27 · Last updated Jul 10, 2026
Target emergency fund
$7,500
Still needed
$7,000
Time to reach it
2.9 yr
An emergency fund exists for one job: covering essential expenses if income stops unexpectedly. The right size depends on your monthly essentials and desired coverage.
Fewer months suits stable, dual-income households; more months suits single-income or variable-income situations.
Most planners advise against it — the goal is guaranteed access without risk of loss exactly when you might need it.
Tax year: 2026-27. This calculator provides estimates for educational purposes only and is not financial advice. See our methodology and disclaimer.
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