Emergency Fund Calculator
Choose your coverage, account for savings you already have, and see the gap.
Emergency fund calculator
Turn your chosen coverage into a clear savings target.
Updates as you typeYour numbers
Start with the example. Change it to fit your plan.
Amount in US dollars.
Amount in months.
Amount in US dollars.
Amount in US dollars.
The coverage example is editable, not a recommendation. Your target depends on your situation. Choosing a buffer.
Your result
Your 3-month cushion$6,600
3 months of essential expenses at $2,200 a month.
Funded $1,000 of $6,60015%
Still to save$5,600
At your monthly deposit23 monthly deposits
Building your buffer
- Your savings
- Chosen target
View chart values
| Month | Your savings | Chosen target |
|---|---|---|
| 0 | $1,000 | $6,600 |
| 1 | $1,250 | — |
| 2 | $1,500 | — |
| 3 | $1,750 | — |
| 4 | $2,000 | — |
| 5 | $2,250 | — |
| 6 | $2,500 | — |
| 7 | $2,750 | — |
| 8 | $3,000 | — |
| 9 | $3,250 | — |
| 10 | $3,500 | — |
| 11 | $3,750 | — |
| 12 | $4,000 | — |
| 13 | $4,250 | — |
| 14 | $4,500 | — |
| 15 | $4,750 | — |
| 16 | $5,000 | — |
| 17 | $5,250 | — |
| 18 | $5,500 | — |
| 19 | $5,750 | — |
| 20 | $6,000 | — |
| 21 | $6,250 | — |
| 22 | $6,500 | — |
| 23 | $6,750 | $6,600 |
With $50 more each month
Estimated deposits to target19 monthly deposits
Target = essential expenses × chosen months. Timeline counts equal monthly deposits, without interest, changing expenses or withdrawals.
Results are educational estimates from your inputs and the assumptions shown, rather than a guarantee or individual financial advice. About our estimates.