Free Calculator

Emergency Fund Calculator

Calculate your ideal emergency fund target, see your savings gap, and find out exactly how many months it takes to reach full financial security.

Monthly Essential Expenses

Only include essential, non-negotiable costs — what you'd need to cover if you lost your income today.

Housing (rent / mortgage) ($)

Food & groceries ($)

Transport (car, transit) ($)

Utilities & phone ($)

Insurance ($)

Other essentials ($)

Target coverage

Recommended

Current emergency savings ($)

Monthly savings toward fund ($)