Emergency Fund Calculator
Enter your essential monthly expenses and a target number of months to see how big an emergency fund you need — and how long it takes to build it from here.
How it works
Your target fund is monthly essential expenses × target months. Because an emergency fund must stay instantly accessible, it assumes no investment return and divides the shortfall by your monthly saving to get the months needed.
Read next
How big an emergency fund should be, and how to build it →
Frequently Asked Questions
How many months should an emergency fund cover?
Three to six months of expenses is the common guideline. If your income is unstable or you have dependents, leaning toward the higher end is safer.
Where should I keep an emergency fund?
In a safe, instantly accessible savings account — not somewhere volatile like stocks, where the value could be down exactly when you need it.
Should I invest my emergency fund for returns?
The point of an emergency fund is access and stability, not return. That is why this calculator assumes no investment growth.
This calculator is an educational estimate, not individual financial advice.