Emergency Fund Calculator
Compute emergency fund target: monthly expenses × 6 (min) or × 12 (recommended). Considers inflation.
Pé-de-meia: emergency fund
Pé-de-meia is the Brazilian term for an emergency fund — a financial reserve covering 6 to 12 months of fixed expenses. The formula is Target = Monthly expenses · months of coverage. With monthly spend of R$ 3,000 and a 6-month target, you need R$ 18,000. With the Selic rate at 15% in 2026, the recommended vehicle is Tesouro Selic or CDB at 100% of CDI with daily liquidity. Avoid poupança (lower yield) and equities (volatility undermines the emergency purpose). Note: "Pé-de-Meia" is also a Brazilian federal program (2024) paying R$ 200/month to public high school students as a savings incentive.
Applications
Foundation of any personal financial plan, first step in the FIRE movement (Financial Independence, Retire Early), a marker of basic financial health (3+ months covered), and protection against unexpected events: layoff, illness, car repair, family emergency. Without it, any shock pushes you into expensive credit (credit card, overdraft).
FAQ
6 or 12 months? CLT workers with stable jobs: 6 months. Self-employed or PJ: 12 months given more volatile income.
Can I invest in stocks? No. Stocks may be down exactly when you need the money. Emergency = liquidity and capital preservation.
What about poupança? It yields less than Tesouro Selic or CDB at 100% CDI, both also exempt or with controlled IR. Prefer the latter.
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The results provided by this tool are for general informational and educational purposes only and do not constitute professional, financial, medical, legal, tax or accounting advice. Always confirm important decisions with a qualified professional and official sources.