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Emergency Fund Calculator

Most advice stops at "save three to six months of expenses." This tool goes further: it builds your target from your own monthly costs and your own risk profile, then shows you exactly how far you have to go and how to get there.

Before You Begin

  • This tool produces an educational estimate of your emergency fund target, built from the expenses and risk factors you enter, not a guaranteed "correct" number for your life.
  • The target range is a starting point based on common guidance, not a personalized recommendation that accounts for everything about your situation.
  • This isn't personalized financial advice. For a plan built around your full circumstances, consider a certified financial planner.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data permanently deletes it.

Only the essentials, what it would actually cost to keep your household running if your income stopped. Skip anything that doesn't apply.

$
$
$
$
Car payment, gas, insurance, transit
$
Health, renters/home, life
$
Credit cards, loans, student loans
$
$
Phone, medications, pet care, etc.
Total monthly essential expenses $0

This tool provides general estimates for educational purposes only and isn't personalized financial advice. Read our full disclaimer →

Starter Goal
Not yet reached
$500
to stop small surprises from becoming debt
Your Full Target Range
$0 – $0
3–6 months of essential expenses
We recommend a standard 3-6 month range. Answer the questions in Step 2 for a range tailored to your situation.
Monthly essential expenses$0
Target Range: 3 months$0
Target Range: 6 months$0
Current savings$0
Remaining gap to low end$0
Remaining gap to high end$0
0% of the way to the low end of your range

Enter a monthly savings amount or a desired timeframe in Step 3 to see your plan.