Emergency fund calculator

See how big your safety net should be and how long it takes to build.

Essential costs per month

Rent or mortgage, utilities, food, transportation, insurance, minimum debt payments.

Months to cover

3 to 6 is the usual rule. Pick more if your income is uneven or you are the only earner.

Already saved

Cash you could reach within a day or two.

You can save per month

Even $25 a week adds up.

Press Calculate to see your goal

The starting figure ($4,334 a month) is housing, transportation, food at home and health care from the BLS Consumer Expenditure Survey (2024), divided by 12. Use your own numbers for a real plan. This is general information, not financial advice.