Keep near-term local bills in an accessible local reserve and calculate second-currency emergencies as a separate layer with a transfer margin.
Estimate the local reserve from essential monthly costs, then model a distinct obligation in another currency with a transfer and exchange-rate stress margin.
Keep local and second-currency emergencies visible
Emergency money has a location and a deadline. Local rent cannot reliably wait for a cross-border transfer, while a known family or travel obligation may need another currency. Keeping the layers visible prevents an apparently large combined balance from masking an access gap.
Use the calculation with the two-currency emergency fund guide to decide where access is actually needed.
The calculator does not convert or add the currencies because doing so would require a dated exchange rate. Review both layers when essential costs, transfer routes or the location of likely emergencies changes.
If the second layer depends on sending money abroad, compare the transfer route's delivered amount and exchange-rate margin separately from the reserve target.
The result follows the published WELCOME.YOU methodology and uses only the answers you enter.