Emergency Fund Calculator

Financial experts recommend keeping 3–6 months of expenses in an easily accessible emergency fund. Enter your monthly expenses and job stability to get your target, then add your current savings to see your progress.

Monthly Expenses ($)

Coverage Target (months)

Current Emergency Savings ($)

Keep your emergency fund in a high-yield savings account (HYSA) where it earns interest but stays accessible. Separate it from your regular checking to avoid spending it.