Emergency Fund Calculator
Free emergency fund calculator. Calculate your target emergency fund, track savings progress, and get personalized recommendations based on your risk level.
$
mo
$
$
$24,000
6 months × $4,000/month
Progress to Goal20.8%
Current: $5,000Goal: $24,000
1.3
$19,000
38 mo
$4,000
Making progress. Keep building your safety net.
Recommended Fund Size (Based on Risk Level)
Minimum (4 months)$16,000
Recommended (6 months)$24,000
Maximum Protection (9 months)$36,000
Savings Timeline
4 months of expenses ($16,000)22 months
6 months of expenses ($24,000)38 months
9 months of expenses ($36,000)62 months
Emergency Fund Tips
- Keep your emergency fund in a high-yield savings account
- Only use for true emergencies: job loss, medical, major repairs
- Automate monthly transfers to build consistently
- Replenish immediately after using
- Review and adjust as your expenses change
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