How we calculate
The target amount is your essential monthly expenses times the desired months of coverage. The calculator simulates month by month until your balance reaches it.
Formula used
Target amount = essential monthly expenses × desired months of coverage.
Reserva alvo = gastos mensais essenciais × meses de cobertura
Practical example
With R$ 3,000 in essential expenses and 6 months of coverage, the target is R$ 18,000. Starting from R$ 2,000 saved, with R$ 300 monthly at 10% a year, the calculator shows the months needed.
How to interpret the result
The ideal coverage depends on income stability: less stable income usually targets 9-12 months, stable income usually targets 3-6 months.
Limitations
Assumes fixed contributions and a constant return rate, which rarely reflects reality. Does not account for taxes or inflation on expenses over time.