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Emergency Fund Calculator

How much should your emergency fund be? Get a target from your expenses and the date you'll reach it.

$

Rent or mortgage, utilities, food, insurance, transport, minimum debt payments.

3 to 6 months is the usual range; more if your income is irregular or you are the only earner.

$
$
%

Fill in the form and press Calculate to see your result.

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How this is calculated

Target = essential monthly expenses times the months of cover you choose. Time to reach it adds your monthly saving to your current savings each month, with interest at the savings APY compounded monthly, until the balance reaches the target.

Sources

Estimates for planning, not professional advice. What changed and when →

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