Emergency Fund Calculator

Find your target emergency savings range based on your expenses, income stability, and household situation.

Monthly Essential Expenses ($)

Housing, food, transportation, insurance

Current Savings ($)

Readily available savings only

Income Stability

Stable

Variable

Dependents

Yes

Target Range

$9,000 – $15,000

3–5 months of expenses

Current Coverage

0.3 months

Gap to Minimum Target

$8,000

Suggested Monthly Savings

$667

To reach minimum target in 12 months

Most financial experts recommend 3-6 months of essential expenses in an emergency fund. Your target depends on income stability, dependents, and known risks. This is a range, not a single number.

Results are estimates based on user-provided assumptions and may not reflect actual costs, taxes, fees, rates, returns, eligibility, or outcomes.