Emergency Fund Calculator
How many months of runway you need for your risk profile.
Financial planning
How big should your emergency fund be?
Based on your monthly burn, job risk and dependents. Rule of thumb + calibrated for Nigerian realities.
Emergency funds - Nigerian rules of thumb
Standard advice is 3-6 months of essential expenses. In Nigeria, given FX volatility, healthcare uncertainty and typical job-search timelines, 6-12 months is safer - especially if you have dependents or contract-style income. This tool applies a multiplier based on your risk profile so the number feels concrete.
Where to keep it: a mix of NGN money-market fund (Cowrywise, Piggyvest, Stanbic) for liquidity + USD stablecoin exposure (only if you understand crypto risk) for FX protection. Not in a current account earning nothing.