Emergency fund calculator
An emergency fund isn’t about hitting a magic number — it’s about knowing how long you could cover your basics if something changed. This calculator helps you see where you stand right now and what a reasonable target might look like.
Rent/mortgage, utilities, groceries, insurance, minimum debt payments — the things you’d still need to cover.
What you’re setting aside each month, even if it’s not much.
You’re covered for
1.1 months
3-month target
$10,500
$6,500 to go
6-month target
$21,000
$17,000 to go
At $300/month, you’d reach 3 months in 22 months.
At $300/month, you’d reach 6 months in 57 months.
Three months is a common starting target. Six months gives you more room. The right number depends on your situation — how stable your income is, whether you have dependents, how quickly you could adjust if things changed.
Want to figure out the right target for you?
A coach can help you think through your specific situation — income stability, dependents, the full picture. The intro call is free.
Book a free intro call