🛟 应急备用金计算器Emergency Fund Calculator
按每月必要支出（房租/房贷、食品、交通、保险、还款等）和希望覆盖的月数，计算应急备用金目标、当前缺口，以及按每月储蓄额多久能存够。Set an emergency fund target from essential monthly expenses and the number of months to cover, then see your shortfall and how long it takes to save at a given monthly amount.
使用说明与常见问题How-to & FAQ
「应急备用金计算器」是什么？What is the Emergency Fund Calculator tool?
按每月必要支出（房租/房贷、食品、交通、保险、还款等）和希望覆盖的月数，计算应急备用金目标、当前缺口，以及按每月储蓄额多久能存够。Set an emergency fund target from essential monthly expenses and the number of months to cover, then see your shortfall and how long it takes to save at a given monthly amount.
如何使用「应急备用金计算器」？How do I use the Emergency Fund Calculator tool?
在「应急备用金计算器」中，填写「住房（房租/房贷）」、「食品与日用」、「水电通讯」、「交通」、「保险与医疗」等参数，结果会随输入实时计算并显示在下方。In the Emergency Fund Calculator: Fill in "Housing (rent/mortgage)", "Food & groceries", "Utilities & phone", "Transport", "Insurance & health"; results are recalculated instantly as you type.
应急金应该存几个月？How many months should I save?
这没有官方标准。常见的理财经验法则是 3–6 个月的必要支出：收入稳定、双职工家庭可以偏向 3 个月；自由职业、单一收入、有孩子或行业波动大的家庭通常建议存得更多（经验上 6–12 个月）。工具默认 6 个月只是示例值，可按自己的情况调整。There is no official standard. A common rule of thumb is 3–6 months of essential expenses: closer to 3 for stable dual incomes, and more (6–12 months as a rough guide) for freelancers, single earners, families with children or volatile industries. The default of 6 months is just an example; adjust it to your situation.
哪些支出算必要支出？What counts as essential?
失业或急用时仍必须支付的：住房、食品、水电通讯、交通、保险、最低还款等。外出就餐、旅行、娱乐等可以暂停的支出不计入。Costs you must still pay in a crisis: housing, food, utilities, transport, insurance and minimum debt payments. Dining out, travel and entertainment that can be paused are excluded.
计算结果可以作为最终依据吗？Can I rely on the result?
「应急备用金计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Emergency Fund Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「应急备用金计算器」免费吗？需要注册吗？Is the Emergency Fund Calculator free? Do I need an account?
「应急备用金计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Emergency Fund Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.