Emergency Fund Calculator

Build your monthly expenses from what you actually spend, pick how much runway you want, and see the target, and the monthly savings plan to get there. Free, no account needed.

Which describes you?
Your monthly essentials
Monthly essentials total$3,250/mo
How much runway do you want?

Income can swing month to month, so the usual 3-6 months most advice gives isn't enough runway.

Personal fund target$29,250
10% of the way there · $3,000 of $29,250
$3,250/mo × 9
months of essentials
$3,000
already saved
$26,250
still needed
Break it down monthly

I want to reach $26,250 in:

mo
$2,188/moSave this much per month to get there.

Want this saved automatically every time you get paid?

A general guideline, not personalized advice, your actual right number depends on your own situation, dependents, and risk tolerance.