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. 

Emergency Fund Ratio Formula

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

  • 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:

  1. First, determine the total emergency fund amount ($).
    • The total emergency fund amount ($) is given as: 100,000.
  2. Next, determine the total monthly expenses ($).
    • The total monthly expenses ($) is provided as: 5,000.
  3. Finally, calculate the Emergency Fund Ratio using the equation above: 


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 = ?