finance
Emergency Fund Calculator
Work out how much to keep in an emergency fund for your expenses.
$
Recommended fund
$12,000.00
Essential expenses multiplied by your months of cover.
3 months
$6,000.00
6 months
$12,000.00
How it works
- 1Enter your essential monthly expenses.
- 2Choose how many months of cover you want (3–6 is common).
- 3See your recommended emergency fund.
Use cases
- Set a savings target for unexpected costs.
- Decide between 3 and 6 months of cover.
- Plan a safety net before investing.
Frequently asked questions
How many months should an emergency fund cover?
Three to six months of essential expenses is a common guideline. Choose more if your income is variable or you support dependents.
Which expenses should I include?
Include essentials you would still pay if you lost income — housing, food, utilities, insurance, and minimum debt payments.
Is my data stored?
No. Everything runs in your browser.
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