Emergency Fund Calculator

Your target from YOUR essential month — with a real date at your saving pace.

Results

Worked example

Your emergency fund target$7,200 3 months × $2,400 of essential expenses

Already saved$400

Still to go$6,800

Time to target at $200/month2 years 10 months around June 2029

First milestone: $1,000 (about 3 months away at this pace). Layers count — $500, $1,000, one month, three.

Essentials = the survival month: housing, utilities, food, transport, insurance, medicine, minimum debt payments. Not your normal spending.