Emergency fund: how much and why
The emergency fund in the game is 3 months of costs in the account. With costs of €1,800 a month that is 3 × 1,800 = €5,400. The hero Twin keeps this amount and invests only what lies above it.
The reason is the price of the alternative. If the €5,400 is missing and the overdraft steps in, it costs 12 % a year in the game's boom. Over one year without repayment that is €648 in interest. Paid off in 12 equal monthly instalments it is €479.78 a month and €357.40 in interest in total.
An emergency fund costs the return it does not earn. Without it the overdraft costs its interest.
3 months of €1,800 are €5,400. The same amount in the overdraft costs €648 in interest over a year.
Simulated: figures from the game T.O.U.G.H., not statistics about real people.
Questions people ask
How large is the emergency fund in the game?
3 months of costs. With costs of €1,800 a month that is €5,400 in the account.
What does the overdraft cost without an emergency fund?
In the game's boom 12 % a year. On €5,400 that is €648 in interest over one year without repayment.
Why does the hero Twin not invest everything?
Because a gap that the overdraft fills costs its interest. He keeps the emergency fund and invests what lies above it.
Source: Deutsche Bundesbank, MFI-Zinsstatistik, as of 19 October 2026
The emergency fund of the game against what the overdraft costs without it.
The simulation, the comparison and the Beam stay free.
Education, not advice. Disclaimer