Emergency Fund Calculator
Safety net resilience plannerCalculate how much cushion you need to survive unexpected emergencies, job transitions, or medical expenses based on your monthly essential costs.
Monthly Essential Expenses (PHP)
Safety Buffer & Savings Rate
Financial Security
Where to Store Your Emergency Fund
Where should I keep emergency fund money?
Store it in highly liquid, capital-safe accounts such as Philippine digital banks (e.g., Seabank, Maya, GoTyme) offering 4–6% p.a. interest with immediate ATM or transfer access.
Should emergency fund money be invested in stocks or MP2?
No. Stocks fluctuate and can be down when you need money, while MP2 locks up your capital for 5 years. Emergency funds must prioritize liquidity and zero capital risk over maximum yield.
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