TOOLS / FREE
A reserve.
For the unexpected.
Explore a reserve amount based on your essential expenses and the number of months you want to cover.
Try it with your own figures.
Reference reserve amount
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Fill in the fields to calculate.
Figures are calculated in this browser. They are not sent to the server, stored in cookies or shared with SPARK.
How it is calculated.
Monthly essential expenses × months covered; shortfall = the greater of zero and reserve − amount already set aside.
The number of months is your choice, not a personalised recommendation. Consider income stability, dependants and access to the reserve. Does not include inflation or returns.
Keep planning.
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