Emergency Fund Calculator
Estimate a target emergency fund from essential monthly expenses.
Target fund—
Remaining gap—
Time to goal—
Educational estimate only. Actual lender, issuer, tax, insurance, account, and market calculations may differ.
Savings and financial resilience
Emergency Fund Calculator
Last reviewed: July 18, 2026
Base the target on essential expenses rather than total income. Choose a coverage period that fits job stability, household size, health risks, and insurance deductibles.
Choosing the number of months
A smaller starter reserve can reduce immediate risk while high-cost debt is being addressed. A larger reserve may be useful for one-income households, variable earnings, higher deductibles, or longer job-search periods.