Emergency Fund Calculator

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

Monthly Essential Expenses

Housing (Rent/Mortgage)

Food & Groceries

Transportation

Utilities & Bills

Insurance

Other Essentials

Current Emergency Savings

Monthly Amount You Can Save

Job Security / Risk Level

Minimum

3 months

—

⭐ Recommended

6 months

—

Conservative

9 months

—

Building Your Fund

Total monthly expenses—

Recommended target—

Already saved—

Remaining to save—

Time to goal at your save rate—

0% funded

* Recommended months based on your selected risk level. Experts suggest 3–6 months for salaried employees and up to 12 months for the self-employed.