Free calculator
Emergency Fund Calculator
Enter your actual monthly expenses — not a guess — and find your exact target. Pick 3, 6, or 9 months of coverage. See how long it takes at your savings rate.
Your monthly essential expenses
$
$
$
$
$
$
How many months of coverage do you want?
Monthly essentials
$2,450
needs only
Your target
$7,350
3 months of essentials
First milestone
$1,000
starter emergency fund
$
Time to reach each milestone
First $1,0005 months
3-month target37 months
6-month target74 months
9-month target110 months
What counts as an essential? Only expenses you’d still pay if you lost your income tomorrow: housing, utilities, groceries, transportation to job interviews, health insurance, and minimum debt payments. Leave out subscriptions, dining out, and discretionary spending. Your emergency fund covers survival, not lifestyle.