Emergency Fund Calculator

See 3-month and 6-month emergency fund targets from your monthly costs, plus any gap versus what you already saved. Planning estimate only — not financial advice.

Typical monthly costs

Already saved

Optional

6-month target

$19,200.00

3-month target: $9,600.00
Gap to 3 months: $5,600.00
Gap to 6 months: $15,200.00
Months covered: 1.25

Planning estimate only — not financial advice.

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Frequently asked questions

Why 3 and 6 months?

Those are common rule-of-thumb buffers. Your household may need more or less depending on income stability and expenses.

Is this financial advice?

No. It is a planning estimate only — not financial advice.