Emergency Fund Calculator
Calculate how much you need in your emergency fund based on monthly expenses, income stability, and personal risk factors.
Monthly Essential Expenses
Your Situation
Savings Plan
Results
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Monthly Essentials
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Minimum Fund
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Recommended Fund
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Comfort Fund
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Months to Goal
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Target Date
Recommendation
Frequently Asked Questions
How much should I have in an emergency fund?▾
Most financial advisors recommend 3-6 months of essential expenses. Self-employed individuals and those with variable income should aim for 6-12 months. This calculator personalizes the recommendation.
What expenses should I include in the calculation?▾
Include essential monthly expenses: rent/mortgage, utilities, groceries, insurance premiums, minimum debt payments, transportation, and any other bills you cannot skip.
Where should I keep my emergency fund?▾
Keep your emergency fund in a high-yield savings account for easy access and some interest. Avoid investing emergency funds in stocks or locking them in CDs, as you need immediate liquidity.
Is my financial data safe?▾
Yes. All calculations happen entirely in your browser. No data is ever sent to a server.