Saving

Emergency fund calculator

An emergency fund covers your essential costs if income stops — job loss, illness, a broken-down car. Enter your essential monthly expenses to find your target, then see how fast you can get there.

Essential monthly expenses

Rent, food, utilities, insurance, minimum debt payments — not extras.Months of cushion

3 months is a floor; 6+ if your income is variable or you're self-employed.Already saved

Saving per month

Target fund

$18,000

6 months of essentials

Still to save

$16,000

Time to fully fund

3 yr 4 mo

Target$18,000

Saved so far$2,000

Remaining$16,000

Keep it safe — and earning

Emergency money should be liquid and separate from spending. A high-yield savings account keeps it instantly accessible while earning 4%+.

Self-employed or single-income households generally aim for the higher end of the range. This is general information, not financial advice.