Enter the total emergency fund amount ($) and the total monthly expenses ($) into the Emergency Fund Ratio Calculator. The calculator will evaluate and display the Emergency Fund Ratio.

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## Emergency Fund Ratio Formula

The following formula is used to calculate the Emergency Fund Ratio.

EFR = EF / ME

- Where EFR is the Emergency Fund Ratio ( )
- EF is the total emergency fund amount ($)
- ME is the total monthly expenses ($)

To calculate the emergency fund ratio, divide the total emergency fund amount by the total monthly expenses.

## How to Calculate Emergency Fund Ratio?

The following example problems outline how to calculate Emergency Fund Ratio.

Example Problem #1:

- First, determine the total emergency fund amount ($).
- The total emergency fund amount ($) is given as: 100,000.

- Next, determine the total monthly expenses ($).
- The total monthly expenses ($) is provided as: 5,000.

- Finally, calculate the Emergency Fund Ratio using the equation above:

EFR = EF / ME

The values given above are inserted into the equation below and the solution is calculated:

EFR = 100,000 / 5,000 = 20.00

Example Problem #2:** **

For this problem, the variables required are provided below:

total emergency fund amount ($) = 50,000

total monthly expenses ($) = 10,000

Test your knowledge using the equation and check your answer with the calculator above.

EFR = EF / ME** = ?**