Emergency Fund Calculator Excel — Essential Expenses Only Method, Situational Target Guide, 24-Month Build-Up Chart

Calculate your real emergency fund target based on essential survival expenses only, not your full lifestyle spend. Includes a situational guide (stable job vs. self-employed vs. sole earner) to pick the right number of months, plus a chart showing your build-up progress over 24 months. Instant download, Excel & Google Sheets compatible.