Emergency Fund Calculator
Find out your emergency fund goal and how close you are — nothing leaves your browser.
This is for informational purposes only and is not financial advice.
How much should an emergency fund be?
Most financial experts recommend keeping 3–6 months of essential living expenses in an emergency fund. Essential expenses include rent or mortgage, utilities, groceries, insurance, and minimum debt payments — not discretionary spending.
A higher target (6–12 months) is advisable if you are self-employed, have irregular income, work in a volatile industry, or support dependants. A lower target (3 months) may be fine if you have a very stable job and low fixed costs.
FAQ
Where should I keep my emergency fund? A high-yield savings account gives you liquidity while earning modest interest. Avoid investing it — you need it accessible without market-timing risk.
Does it include all savings? No — count only money dedicated to emergencies and immediately accessible.
Is my data sent anywhere? No — all calculations happen locally in your browser.