🛟 Emergency Fund Calculator

Job loss, hospital bills, bagyong nagpasuspend ng trabaho ng ilang linggo. Biglaang suntok lahat ‘yan ng buhay — ang emergency fund mo ang shield mo. Eto ang exact na laki ng ipon na kailangan mo.

Your situation

Your monthly NEEDS (₱)

Rent, food, utilities, transpo, minimum debt payments. Wants don't count, survival does.

Months of protection you want

Freelancers and breadwinners should aim higher. Stability buys you a smaller target.

Your shield

Lalabas ang sagot dito. 👆

Emergency fund truths (FAQ)

Bakit hindi na lang i-invest?

Kasi nag-crash ang investments mismo kapag may emergency. Imagine: ma-layoff ka tapos market dip — mapipilitan kang magbenta ng lugi para lang kumain. Kaya existing ang emergency fund: para hindi ka napipilitang ibenta ang future mo nang panic. Safety muna bago growth.

Saan ko ilalagay?

Somewhere boring, safe, and slightly interest-earning. Digital banks currently pay around 3 to 6% annually, way better than a traditional savings account. Not stocks, not crypto, not your friend's "sure na negosyo". Boring wins here.

Complete na ako, ano next?

Congratulations, that's a real milestone. Now your money can chase growth: MP2 for medium term, index funds for long term. Our MP2 projector shows what your next savings phase could become.

May utang ako, fund muna o bayad muna?

Small starter fund first (one month of needs), then attack high-interest debt like credit cards, then build the full fund. Debt at 24% interest grows faster than your savings, so handle it in that order.