Choose coverage based on your life, not pressure.
Many people start with 3 months of essential expenses. That can work for stable income, low debt and predictable costs. Six months can feel calmer if income is variable or responsibilities are higher. Twelve months may make sense for self-employed people, families with one income, or anyone who wants a larger safety buffer.
If essential expenses are €1,200, then 3 months is €3,600, 6 months is €7,200 and 12 months is €14,400. The right number is the one that helps you sleep and still leaves room for other goals.
A calm way to use this
Use the idea as one small input for financial clarity. Noru is designed for practical awareness, not pressure or personal financial advice.
Related tool
Emergency Fund Calculator
Use the matching calculator to turn this concept into a simple number.
Next step
Track the number over time.
Use the Finance Tracker to keep progress visible during weekly or monthly reviews.
Beginner path
Start Here
Follow a calm sequence through tools, tracking and learning.