Emergency Fund Calculator
Calculate how much you need for emergencies based on your expenses, job stability, and personal situation. Build your financial safety net.
3-6
Months Standard
FDIC
Insured Safety
Liquid
Always Accessible
Peace
Of Mind
Monthly Expenses
$
$
$
$
$
$
$
$
$
$
$
$
$
Your Emergency Fund Plan
Current Progress0%
$5,000Goal: $0
Recommended Fund
$0
3.0 months expenses
Time to Goal
Complete! ✓
At $500/month
Essential Expenses
$0
Per month (checked items)
Total Expenses
$0
All monthly expenses
Emergency Fund Levels
Minimum (3 months)
Bare minimum safety net
$0
✓ AchievedComfortable (6 months)
Recommended for most people
$0
✓ AchievedConservative (12 months)
Maximum peace of mind
$0
✓ AchievedYour Personalized Recommendation
Based on your stable job stability, we recommend a 3.0-month emergency fund of $0.
Building Your Emergency Fund
Where to Keep It
- • High-yield savings account (2-5% APY)
- • Money market account
- • NOT in stocks or risky investments
- • Separate from checking account
How to Build It Faster
- • Tax refunds straight to savings
- • Sell unused items
- • Take on temporary side work
- • Automate transfers on payday
When to Use It
- • Job loss or reduced hours
- • Medical emergencies
- • Major home/car repairs
- • NOT for vacations or wants