Emergency Fund Calculator
Calculate how much you need to save for a rainy day and track your progress towards financial security.
Financial Details
Monthly Expenses
Total Monthly Expenses$3,000
Why do I need this?
An emergency fund turns a financial disaster (job loss, medical emergency, car breakdown) into a mere inconvenience. It prevents you from going into high-interest debt when life happens.
Your Goal
Balanced Standard. The most common recommendation. Balances safety with opportunity cost.
Target Emergency Fund
$18,000
$3,000 × 6 months
Monthly Surplus
$2,000Amount Needed$18,000
Time to Goal9 months
Target Date: October 2026