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Recalculate your emergency fund for today’s cost of living

Higher household costs mean an old emergency-fund target may cover fewer weeks. Recalculate from current essential expenses rather than reusing a pre-inflation Naira number.

What to check

Update rent, food, transport, utilities, health, debt and dependant support; test job-loss and income-interruption scenarios separately.

What could change the answer

National headlines do not equal your household budget. Do not lock emergency cash into a long-term product merely to chase higher returns.

A practical next step

Use the last three months of actual spending to reset the target, then automate a weekly or monthly contribution.

Reviewed 2026-09-09