Emergency Fund Calculator
Calculate a target emergency fund size based on your essential monthly expenses, and see how much more you need to save to reach it.
Your expenses
Rent/mortgage, utilities, food, insurance, minimum debt payments — needs, not wants.
Target emergency fund:
Remaining to save:
Time to reach goal at this contribution rate:
Why 3–6 months?
Most financial guidance recommends 3–6 months of essential expenses as a baseline emergency fund, with 9–12 months suggested for single-income households, freelancers, or less stable jobs.