Emergency Fund Calculator Spreadsheet Now Available
Due to the interest I have received from my recent post describing a formula to calculate how much you need in your emergency fund, I have created an Excel spreadsheet that can run the formula for you. Download the free spreadsheet here »
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I'm David, a 20-something ex-financial journalist with a mission: To help you learn about personal finance, take control of your money, and get on with life!
Your calculator is an interesting tool, but fails to reflect the dual income world we live in today. If both my wife and I can easily accommodate our lifestyle on our individual incomes, the amount I need to have saved for an emergency is much less than as the head of household. furthermore, I _really_ like your income volatility indicator, but we’ve diversified our industries so there is no statistical correlation (psychology and aerospace – you do the math) to increase our emergency fund. I’m not sure people are getting the full story, and they’re likely to think they’re safer than they really are (like I do!).
Thanks for the information,
Regards
Peter