Emergency Fund Calculator

How to use this calculator

Enter monthly essential expenses, target months, current savings, and planned monthly contributions. The calculator shows the target fund, shortfall, and months to goal.

When this calculator is useful

• Building a cash buffer
• Planning around job risk or variable income
• Choosing a realistic savings target

Important limitations

Emergency-fund needs vary by household, insurance, job stability, dependents, and access to credit.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.