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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