Emergency Fund Calculator
Find out how many months your savings cover and how much more you need to reach a 3, 6 or 12-month goal.
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How this is calculated
Months covered = current savings ÷ monthly expenses. The 3, 6 and 12-month targets are the coverage tiers commonly cited by sources such as the U.S. Consumer Financial Protection Bureau; they are shown as reference points, not recommendations.
FAQ
What counts as a "month of expenses" in this calculator?
Whatever you enter in the Monthly expenses field. People typically enter only essential outflows — housing, utilities, food, insurance, transport, minimum debt payments — but the calculator does not enforce a definition.
How is "months covered" computed?
Current savings divided by monthly expenses. The progress bar compares that figure to the target tier you selected.
Are my numbers stored anywhere?
No. The calculation runs entirely in your browser. Nothing is sent to a server.