Emergency eggs for families: This savings amount is considered normal

An emergency sig is important for everyone to have enough money on the high edge in an emergency to remain liquid with exceptional financial burdens.

As a rule, one speaks of three to six monthly salaries, which you should put aside as an emergency egg.For singles, the height of the emergency hewn can be easily calculated down. With families, however, it becomes a little more complicated.

You can find out how much you should have saved as a family here.

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For what case do I really need the emergency egg?

When it comes to the emergency hewn, the broken washing machine or the car repair is often taken as an example. Sure, an emergency egg is also important for this. In general, however, the emergency egg is primarily for more serious events, such as: B. intended for a job loss.

In the case of a family, the worst case would be that the main earner loses his work and the main income breaks away. In this case, you should definitely be prepared with an emergency hewn.

Nice: how much money you should save

In order to determine how much you should have as a family on the high edge, it is important to list to what income you have. This includes salaries and transfer payments such as child benefit. Then list the monthly expenses. Above all, this includes the existentially necessary costs, such as expenses for living, food, transport, insurance and clothing.

Especially if there is a main earner in the family, you should use the income and expenditure to calculate how much money is missing at the end of the month in order to cover the existential costs if the income of the main earning is eliminated. This value can then be extrapolated to three to six months. So you get a relatively precise amount for an emergency egg.

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But you can also simply get back from the well -known ruleof the three to six monthly salaries and set the content of the main earner.If you want to be on the safe side, you should take up the salaries of both parents as an emergency hewn and compensate them to three to six months.

Example calculation: How high should the emergency egg be for a family?

Using an example, we show you how you can determine the emergency egg:

In our example, we assume a family of four, with a parent who works full -time and a parent who works part -time. The two children are 8 and 10 years old.

Revenue:

• Salary parent 1: 2800 euros
• Salary parent 2: 1500 euros
• Child benefit: 510 euros

= 4810 Euro

Expenditure:

• Rent including ancillary costs and electricity: 1400 euros
• Expenditures for food, clothing, traffic, insurance, etc.: 1600 euros

= 3000 Euro

If you want to be on the safe side, you can set the monthly expenses three times as an emergency egg.In this example, that would be 9000 euros.This also corresponds to about three monthly salaries of the main earner.

If you collect the child benefit and the salary of parent 2, you get a good 2000 euros. If you pull this off the monthly expenses, 1000 euros remain. So in this example you shouldat least 3000 to 6000 eurosput aside.

Incidentally, you should park your emergency egg best on oneDaily deposit account with a good interest rate. So you quickly get the money when you need it, at the same time you benefit from the compound interest effect in the long term.