Emergency Fund Calculator
Size your emergency fund and see how close you are. Enter your essential monthly expenses, how many months of cover you want and what you have saved to get a target, a funding percentage and a timeline.
How to use the emergency fund calculator
- Enter your essential monthly expenses and choose how many months to cover.
- Add what you have saved and how much you can set aside each month.
- Read your target, how much is left and how long it takes to fully fund.
Examples
Half-funded six-month buffer
Expenses 3,000/mo, target 6 months, saved 9,000, adding 1,000/mo
Target 18,000, 50% funded, 9,000 to go, fully funded in 9 months
Frequently asked questions
How big should my emergency fund be?
A common rule is three to six months of essential expenses, and up to nine to twelve months if your income is irregular or you support dependents. Pick the number of months that fits your situation and the calculator multiplies it by your monthly costs.
Which expenses should I include?
Only essentials you would still have to pay if your income stopped: housing, utilities, groceries, insurance, minimum debt payments and transport. Leave out discretionary spending like dining out, subscriptions and holidays, since you could pause those in a crunch.
How is the time to fully fund calculated?
It divides the remaining gap by your monthly contribution and rounds up to the next whole month. No investment return is assumed, because an emergency fund should stay in a safe, liquid account rather than be invested for growth.
What if I cannot contribute anything right now?
If there is still a gap and you set the monthly contribution to zero, the timeline is shown as not reachable rather than a number, since the fund never fills on its own. Even a small monthly amount gives you a concrete finish date.
Should I keep saving once the fund is full?
Once you hit your target the calculator marks it fully funded. At that point many people redirect the monthly amount toward paying down debt or investing, while topping the fund back up after any withdrawal.
Are my numbers sent anywhere?
No. The math runs entirely in your browser. Nothing you type is uploaded, saved or shared.
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