Emergency Fund Calculator
Calculate how much you need in your emergency fund based on your actual monthly expenses. Track your progress toward 3-6 months of savings.
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Enter your monthly essential expenses:
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How much you save each month
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Frequently Asked Questions
How many months of expenses should I save?
3 months is the minimum. 6 months is recommended. Self-employed, single-income households, or those in volatile industries should aim for 9-12 months.
What counts as an essential expense?
Housing, utilities, food, transportation, insurance premiums, minimum debt payments, and necessary medications. Do not include entertainment, dining out, or subscriptions.
Where should I keep my emergency fund?
A high-yield savings account (HYSA) earning 4-5% APY. Keep it separate from your checking account to avoid spending it, but easily accessible within 1-2 days.
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