Emergency Fund Calculator
Calculate how much you should save for emergencies
$
Rent/mortgage, utilities, groceries, insurance, minimum debt payments
Adjust: 6 months
Your Emergency Fund Target
$18,000
3,000 × 6 months
3 months: $9,000 — for stable jobs with dual income
6 months: $18,000 — for variable income or sole earner
12 months: $36,000 — for self-employed or high-risk industry
Quick Tips
- • Store in a high-yield savings account (4–5% APY)
- • Keep it separate from daily spending accounts
- • Start with $1,000, then build to your target
- • Replenish it if you use it for a real emergency
This calculator provides estimates for educational purposes only