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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.

1Your Monthly Essential Expenses

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

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

2Your Risk Profile

Not everyone needs the same size cushion. Answer honestly and we'll recommend a starter goal plus a full target range built around your own situation.

How stable is your income?
How many income earners does your household rely on?
Do you own or rent your home?
How would you describe your health insurance coverage?

3Your Savings & Plan

Tell us where you're starting from so we can show you the gap and a realistic timeline. Fill in either a monthly amount or a desired timeframe, or both.

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Months; we'll tell you what monthly amount that requires

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.