If your income stopped today — how long would you last?

Your emergency fund is your runway. Know it in months, see the gap to a safe cushion, and how fast you can close it.

The fund gets built in the KEEP column. My free budget planner treats your emergency fund as a bill you pay yourself first — and shows your runway on its dashboard every month.

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Rule of thumb: 3 months if your job is very secure and you have no dependants; 6 for most people; 9+ for freelancers, single earners with kids, or probation periods. Keep it instant-access (Tagesgeld), not invested. This calculator is financial education, not investment advice (WpHG).