Family finance

How much emergency savings is enough?

A practical way to set an emergency-fund target that reflects your household, work and obligations.

The short version

A useful target often ranges from three to six months of essential expenses, but income stability, dependants, insurance, health and access to credit can justify a different amount.

Make it personal

Your best next step depends on your complete circumstances. Use this guide as a conversation starter, then review important tax, legal, product and eligibility details with qualified professionals.

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