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Handling the Unexpected: Emergency Fund

Provided by Visa, Content Partner for the SME Toolkit

Emergency Fund

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Use this calculator to see how much you need to put aside for your emergency fund.


Current emergency funds available KES
Number of months you want the emergency funds to last  
Number of months over which you want to accumulate your emergency fund  


Total monthly living expenses. If you plan to itemize (below), leave blank KES

or Itemize Monthly:

Mortgage or rent payment KES
Vacation home (mortgage) KES
Automobile loan(s) KES
Personal loan(s) KES
Charge accounts KES
Federal income tax (per month) KES
State income tax (per month) KES
FICA (social security tax - per month) KES
Real estate taxes - monthly KES
Other taxes KES
Utilities KES
Household repairs and maintenance KES
Food KES
Clothing and laundry KES
Educational expenses KES
Child care KES
Automobile expenses (gas, repairs, etc.) KES
Other transportation expenses KES
Life insurance premiums - monthly KES
Homeowners/renters insurance (monthly) KES
Automobile insurance (monthly) KES
Medical, dental and disability insurance KES
Entertainment and dining KES
Recreation and travel KES
Club dues KES
Hobbies KES
Gifts KES
Major home improvements and furnishings KES
Professional services KES
Contributions KES

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