Emergency Fund Calculator

Find out exactly how large your emergency fund should be — and how long it will take to build it.

Your Expenses

Monthly Expenses ($) Rent, food, utilities, subscriptions, insurance — everything you need each month

Months of Coverage

6 months

1 mo3 mo6 mo9 mo12 mo

Current Emergency Fund ($) What you've already set aside specifically for emergencies

Your Emergency Fund Target

—

Still Need to Save

—

Covers

—

months of expenses

How Fast Can You Get There?

Save this much per month	Months to fully funded	Target date

Expert guidance: Most financial advisors recommend 3–6 months for stable jobs, 6–12 months for freelancers, variable income, or single-income households. Keep your emergency fund in a high-yield savings account — not invested.