Emergency Fund Calculator
Size a 3-6 month emergency fund and see how covered you are today.
6-month target
$21,000
you're 24% of the way there
3-month minimum
$10,500
Months covered now
1.4
Months to full fund
40
Why 3–6 months
The fund covers job loss and surprise expenses without touching credit cards or investments. Dual incomes and stable jobs justify the 3-month end; single incomes, variable pay, and homeownership argue for 6+. Count essential expenses, not your full lifestyle.
Where to keep it
High-yield savings — liquid, FDIC-insured, and currently paying meaningful interest. Not stocks (they crash exactly when layoffs happen) and not your checking account (it evaporates). Automate the monthly transfer and treat it as a bill.
Frequently asked questions
- How does the Emergency Fund Calculator work?
- Size a 3-6 month emergency fund and see how covered you are today.
- Is the Emergency Fund Calculator free to use?
- Yes. The Emergency Fund Calculator is completely free, runs entirely in your browser, and requires no account or sign-up. Your inputs never leave your device.
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