Emergency Fund Calculator
Calculate your emergency fund target and time to reach it
Rent, food, utilities, minimum debt payments
How to use Emergency Fund Calculator
Free emergency fund calculator. See how much you need (3–12 months of expenses) and how long it will take to save it at your current savings rate.
Frequently asked questions
3 months for stable dual-income households. 6 months is the standard recommendation. 9–12 months for self-employed, single income, or variable income.