Emergency Fund Calculator
An emergency fund covers essentials if income stops or a big bill hits. Size it in months of your own must-pay expenses.
Results
How it works
Target = expenses x months of cover. Months to goal = (target - saved) / monthly savings, rounded up.
FAQ
How many months should I use?
Common ranges are 3 to 6 months; less stable income often means more. Pick what lets you sleep.
Which expenses count?
Housing, food, utilities, insurance, transport and minimum debt payments.
Should I pay debt first?
Many people build a small starter fund, then attack high-interest debt.
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Estimates, not tax or financial advice. Check important numbers with a qualified professional.