Emergency Fund Calculator
The money that keeps a surprise from becoming a crisis.
Emergency fund target:
Still needed:
Months to reach it:
How to use this calculator
Enter your monthly expenses, months of coverage, current savings and monthly contribution, then press Calculate. Target, remaining and time to reach it are shown.
What the result means
The target is your expenses times months of coverage — commonly 3-6 months. It's the buffer that keeps a surprise from becoming debt.
Frequently asked questions
How many months should I save for?
3-6 months of expenses is standard. Freelancers and unstable incomes should aim higher.
Where should I keep it?
In a high-yield savings account — accessible, FDIC-insured, and earning something.