Free Canadian money tool
How long could your emergency fund last?
Estimate your financial runway using essential expenses, accessible savings, and income that would continue during an interruption. Your entries stay on this device.
Calculate your runway
What the result means
This calculator divides accessible savings by your monthly shortfall. It is a planning estimate, not a promise: expenses and income can change during an emergency.
| Scenario | Suggested savings based on your shortfall |
|---|---|
| 3 months | Calculate above |
| 6 months | Calculate above |
| 9 months | Calculate above |
Three practical next steps
- Separate essential expenses from costs you could pause temporarily.
- Keep emergency money accessible and review deposit protection, withdrawal limits, and account fees.
- Recalculate after a move, job change, major purchase, or change in household income.
Educational information only, not individualized financial advice. Verify product terms directly with the provider before making a financial decision.