Who can see my family photos and stories?

Only the people you invite into that family. Every album, story, and moment is scoped to a family, and membership is controlled by the family owner.

Is FamConnect free to use?

Yes. Creating an account, building a family tree, and adding members is free. Paid add-ons cover extra storage and premium keepsakes.

Does FamConnect work on a phone without an app store install?

Yes. It is an installable web app: open it in the browser and choose Add to Home Screen to run full screen, with saved pages available offline.

How do I invite parents or grandparents who are not technical?

Send an invite link. They open it, choose a password, and land straight inside the family with no extra setup and no app download.

Can I export my family data?

Yes. Family owners can download their tree, members, albums, and stories. Deleting an account removes the data from active storage.

Family emergency fund calculator

Set your emergency fund target based on your family's essential expenses, then work out how many more months until you reach it.

Emergency fund target

Rp 42.000.000

6 × essential spending of Rp 7.000.000

Saved so far: Rp 10.000.000
Still needed: Rp 32.000.000
Progress: 23,8%
Estimated time to reach: 16 months

Progress is still below a quarter of the target. Prioritise the emergency fund before taking on new instalments.

All calculations run on your device. No numbers are sent or stored.

Assumptions used

Essential expenses, not total spending. If the emergency fund is used, lifestyle can go down — what can't stop are installments and basic needs.
Keep the emergency fund in an instrument you can cash out within 1–2 business days, not an asset that goes up and down.
Savings interest isn't included, because its effect is small compared with how long it takes to build the fund.

How the calculation works

1Essential expenses multiplied by the target number of months.
2Subtract the funds you already have to get the shortfall.
3Divide the shortfall by the amount you can set aside per month to get the time needed to build it.

Frequently asked questions

Where should the emergency fund be kept?

A separate savings account or a money market fund. Not in stocks, physical gold, or long-term time deposits — what you need is fast access, not returns.

Can the emergency fund be used for a house down payment?

Better not. If the down payment uses up your emergency fund, you lose your buffer right when your monthly obligations go up.

If expenses rise every year, does the target rise too?

Yes. Review it once a year. Rising living costs and new family members change the base number.

Terms in this calculator

family budget cash flow negative cash flow life insurance expense record book interest

Supporting reading

Family emergency fund: how many months, where to keep it, when to use it

Other calculators

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Calculator results are educational estimates, not an offer or financial advice.