Emergency Fund Calculator

Find out how much to keep in your emergency fund based on your monthly expenses and employment type, and how long it will take to build it.

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Canadian financial planners recommend 3-6 months for EI-eligible employees and 6-12 months for self-employed individuals (who have limited EI access). Keep the fund in a HISA or TFSA for tax-free growth while maintaining instant access. Review the fund size as your expenses change.