Starting Out

Emergency Fund Calculator

The "3–6 months" rule is too vague. Your real target depends on your job stability, income type, and health situation. Get your personalized number and a savings plan to reach it.

Monthly Expenses

Housing (rent/mortgage) ($)

Food & groceries ($)

Transportation ($)

Utilities & phone ($)

Insurance premiums ($)

Minimum debt payments ($)

Other essentials ($)

Current emergency fund ($)

Most need 3–6× monthly expenses · the median American has far less

Risk Factors

Job / income stability

Household income sources

Health situation

Monthly you can save toward this ($)

Your Emergency Fund Target

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calculating…

Progress 0%

Full Breakdown

Data sources & methodology: Buffer months determined by composite risk score from BLS unemployment duration data (avg. 5.3 weeks for stable employment to 26+ weeks for freelancers), Federal Reserve Survey of Consumer Finances, and healthcare OOP data from Kaiser Family Foundation. HYSA rate assumes 4.5% APY. Disclaimer →

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see sources above) 🔄 Reviewed 2026 · methodology · disclaimer

Your Emergency Fund Target

Full Breakdown

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