Back to news
0.00 $ DEBT-FREE

Emergency fund: how much is actually enough?

The "3 to 6 months" rule sounds nice — but it depends on your fixed costs, not your salary.

Measure costs, not salary

An emergency fund covers essential monthly costs, not your lifestyle. So compute it from fixed costs.

In Qinta add up rent/mortgage, utilities, food and insurance. Multiply by 3 to 6 — that's your range.

Single with a stable job: closer to 3. Freelancer or sole household income: closer to 6.