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Emergency Fund Calculator

Calculate exactly how much emergency fund you need based on your essential monthly expenses.

Monthly Essential Expenses

Housing (rent/mortgage)

Utilities

Groceries & Food

Transportation

Insurance (health/auto/life)

Minimum Debt Payments

Other Essentials

Your Savings

Current Emergency Savings ($)

Monthly Amount You Can Save ($)

Monthly Essentials Total

$3,700

Currently covers 1.4 months

3 Months Fund

Minimum recommended

$11,100

Gap: $6,100

45% funded~16 months to go at $400/mo

6 Months Fund

Standard recommended

$22,200

Gap: $17,200

23% funded~43 months to go at $400/mo

9 Months Fund

Self-employed / variable income

$33,300

Gap: $28,300

15% funded~71 months to go at $400/mo

Keep your emergency fund in a high-yield savings account (HYSA) — not invested. It should be liquid and stable.

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