diff --git a/app/apps/insights/urls.py b/app/apps/insights/urls.py
index ccd2492..a8a0ead 100644
--- a/app/apps/insights/urls.py
+++ b/app/apps/insights/urls.py
@@ -44,4 +44,9 @@ urlpatterns = [
         views.latest_transactions,
         name="insights_latest_transactions",
     ),
+    path(
+        "insights/emergency-fund/",
+        views.emergency_fund,
+        name="insights_emergency_fund",
+    ),
 ]
diff --git a/app/apps/insights/views.py b/app/apps/insights/views.py
index 2551031..f8ea555 100644
--- a/app/apps/insights/views.py
+++ b/app/apps/insights/views.py
@@ -1,8 +1,10 @@
 import decimal
 import json
+from collections import defaultdict
 
 from dateutil.relativedelta import relativedelta
 from django.contrib.auth.decorators import login_required
+from django.db.models import Sum, Avg, F
 from django.shortcuts import render
 from django.utils import timezone
 from django.views.decorators.http import require_http_methods
@@ -27,6 +29,7 @@ from apps.insights.utils.sankey import (
 from apps.insights.utils.transactions import get_transactions
 from apps.transactions.models import TransactionCategory, Transaction
 from apps.insights.utils.category_overview import get_categories_totals
+from apps.transactions.utils.calculations import calculate_currency_totals
 
 
 @login_required
@@ -209,3 +212,55 @@ def late_transactions(request):
         "insights/fragments/late_transactions.html",
         {"transactions": transactions},
     )
+
+
+@only_htmx
+@login_required
+@require_http_methods(["GET"])
+def emergency_fund(request):
+    transactions_currency_queryset = Transaction.objects.filter(
+        is_paid=True, account__is_archived=False, account__is_asset=False
+    ).order_by(
+        "account__currency__name",
+    )
+    currency_net_worth = calculate_currency_totals(
+        transactions_queryset=transactions_currency_queryset, ignore_empty=False
+    )
+
+    end_date = (timezone.now() - relativedelta(months=1)).replace(day=1)
+    start_date = (end_date - relativedelta(months=12)).replace(day=1)
+
+    # Step 1: Calculate total expense for each month and currency
+    monthly_expenses = (
+        Transaction.objects.filter(
+            type=Transaction.Type.EXPENSE,
+            is_paid=True,
+            account__is_asset=False,
+            reference_date__gte=start_date,
+            reference_date__lte=end_date,
+            category__mute=False,
+        )
+        .values("reference_date", "account__currency")
+        .annotate(monthly_total=Sum("amount"))
+    )
+
+    # Step 2: Calculate averages by currency using Python
+    currency_totals = defaultdict(list)
+    for expense in monthly_expenses:
+        currency_id = expense["account__currency"]
+        currency_totals[currency_id].append(expense["monthly_total"])
+
+    for currency_id, totals in currency_totals.items():
+        avg = currency_net_worth[currency_id]["average"] = sum(totals) / len(totals)
+        if currency_net_worth[currency_id]["total_current"] < 0:
+            currency_net_worth[currency_id]["months"] = 0
+        else:
+            currency_net_worth[currency_id]["months"] = int(
+                currency_net_worth[currency_id]["total_current"] / avg
+            )
+
+    return render(
+        request,
+        "insights/fragments/emergency_fund.html",
+        {"data": currency_net_worth},
+    )
diff --git a/app/templates/cotton/amount/display.html b/app/templates/cotton/amount/display.html
index d33ff1f..15d5fae 100644
--- a/app/templates/cotton/amount/display.html
+++ b/app/templates/cotton/amount/display.html
@@ -1,8 +1,12 @@
 {% load currency_display %}
 
+{% if not divless %}
 <div class="{% if text_end %}text-end{% elif text_start %}text-start{% endif %}">
-  <span class="amount{% if color == 'grey' or color == "gray" %} tw-text-gray-500{% elif color == 'green' %} tw-text-green-400{% elif color == 'red' %} tw-text-red-400{% endif %}"
+{% endif %}
+  <span class="amount{% if color == 'grey' or color == "gray" %} tw-text-gray-500{% elif color == 'green' %} tw-text-green-400{% elif color == 'red' %} tw-text-red-400{% endif %} {{ custom_class }}"
        data-original-value="{% currency_display amount=amount prefix=prefix suffix=suffix decimal_places=decimal_places %}"
        data-amount="{{ amount|floatformat:"-40u" }}">
   </span><span>{{ slot }}</span>
+{% if not divless %}
 </div>
+{% endif %}
\ No newline at end of file
diff --git a/app/templates/insights/fragments/emergency_fund.html b/app/templates/insights/fragments/emergency_fund.html
new file mode 100644
index 0000000..38bf22a
--- /dev/null
+++ b/app/templates/insights/fragments/emergency_fund.html
@@ -0,0 +1,75 @@
+{% load i18n %}
+
+
+<div hx-get="{% url 'insights_emergency_fund' %}" hx-trigger="updated from:window" class="show-loading"
+     hx-swap="outerHTML">
+  <div class="accordion" id="emergency-fund-accordion">
+    {% for id, data in data.items %}
+      {% if data.average %}
+        <div class="accordion-item">
+          <h2 class="accordion-header">
+            <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse"
+                    data-bs-target="#flush-collapse-{{ id }}" aria-expanded="false"
+                    aria-controls="flush-collapse-{{ id }}">
+              <span>
+                <span class="tw-text-gray-300">{% trans "You've spent an average of" %}</span>
+                <c-amount.display
+                    :amount="data.average"
+                    :prefix="data.currency.prefix"
+                    :suffix="data.currency.suffix"
+                    :decimal_places="data.currency.decimal_places"
+                    custom_class="tw-text-3xl"
+                    divless></c-amount.display>
+                <span class="tw-text-gray-300">{% trans 'on the last 12 months, at this rate you could go by' %}</span>
+                <span class="tw-text-3xl">{{ data.months }}</span>
+                <span class="tw-text-gray-300">{% trans 'months without any income.' %}</span>
+              </span>
+            </button>
+          </h2>
+          <div id="flush-collapse-{{ id }}" class="accordion-collapse collapse"
+               data-bs-parent="#emergency-fund-accordion">
+            <div class="accordion-body">
+              <div class="d-flex justify-content-between align-items-baseline mt-2">
+                <div class="text-end font-monospace">
+                  <div class="tw-text-gray-400">{% translate 'average expenses' %}</div>
+                </div>
+                <div class="dotted-line flex-grow-1"></div>
+                <div class="text-end font-monospace">
+                  <c-amount.display
+                      :amount="data.average"
+                      :prefix="data.currency.prefix"
+                      :suffix="data.currency.suffix"
+                      :decimal_places="data.currency.decimal_places"
+                      color="red"></c-amount.display>
+                </div>
+              </div>
+              <div class="d-flex justify-content-between align-items-baseline mt-2">
+                <div class="text-end font-monospace">
+                  <div class="tw-text-gray-400">{% translate 'liquid total' %}</div>
+                </div>
+                <div class="dotted-line flex-grow-1"></div>
+                <div class="text-end font-monospace">
+                  <c-amount.display
+                      :amount="data.total_current"
+                      :prefix="data.currency.prefix"
+                      :suffix="data.currency.suffix"
+                      :decimal_places="data.currency.decimal_places"
+                      color="{% if data.total_current > 0 %}green{% elif data.total_current < 0 %}red{% endif %}"></c-amount.display>
+                </div>
+              </div>
+              <div class="d-flex justify-content-between align-items-baseline mt-2">
+                <div class="text-end font-monospace">
+                  <div class="tw-text-gray-400">{% translate 'months left' %}</div>
+                </div>
+                <div class="dotted-line flex-grow-1"></div>
+                <div class="text-end font-monospace">
+                  <span>{{ data.months }}</span>
+                </div>
+              </div>
+            </div>
+          </div>
+        </div>
+      {% endif %}
+    {% endfor %}
+  </div>
+</div>
diff --git a/app/templates/insights/pages/index.html b/app/templates/insights/pages/index.html
index e98487f..68d412b 100644
--- a/app/templates/insights/pages/index.html
+++ b/app/templates/insights/pages/index.html
@@ -114,6 +114,12 @@
                     hx-indicator="#tab-content"
                     hx-target="#tab-content">{% trans 'Latest Transactions' %}
             </button>
+            <button class="nav-link" id="v-pills-tab" data-bs-toggle="pill" data-bs-target="#v-pills-content"
+                    type="button" role="tab" aria-controls="v-pills-content" aria-selected="false"
+                    hx-get="{% url 'insights_emergency_fund' %}"
+                    hx-indicator="#tab-content"
+                    hx-target="#tab-content">{% trans 'Emergency Fund' %}
+            </button>
           </div>
         </div>
       </div>