Emergency fund planner

Split expenses into essentials, flexible costs and lifestyle spending to build a buffer that protects your Polish household from income shocks.

Right-size your cash reserve

  • ★ Expense segmentation – separate fixed, variable and discretionary costs for precise coverage.
  • ★ Job risk scoring – adjust recommendations based on industry stability and contract type.
  • ★ Household mode – model multiple earners, benefits and partner support.
  • ★ Rebuild plan – see how long it takes to replenish the fund after an emergency.

Example scenarios

Family of three

45k PLN reserve

Covers six months of essential spending on a combined net income of 12.5k PLN.

Freelance developer

Eight months

Higher income volatility increases the recommended buffer to eight months.

Rebuild scenario

Nine months

Saving 1 200 PLN per month rebuilds the fund within nine months after it is used.

Calculate your emergency fund Plan dividend income