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Emergency Fund Calculator

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

The usual guideline is three to six months of expenses, and the word doing the work is expenses, not income. What you need to survive a gap is rent, utilities, food, transport, insurance and minimum debt payments, which is generally well below what you actually spend in a normal month.

Where it sits changes what it earns. The national average savings account paid 0.37% (FDIC national rates, 21 September 2026); accounts advertised as high-yield have been paying several times that for the same federal insurance and the same instant access. The balance should stay somewhere you can reach the same day, which rules out anything with a withdrawal penalty.

Housing, utilities, food, transport, insurance, medicine, minimum debt payments.

Les résultats sont des estimations basées sur les chiffres que vous saisissez. Rien n'est enregistré.

Résultats

Vos résultats apparaîtront ici.

Saisissez vos chiffres à gauche et appuyez sur Calculer. Rien de ce que vous entrez n'est enregistré.

Voir un exemple concret
Exemples de chiffres
  • Essential expenses per month$2,400
  • Months of cover3
  • Already saved$400
  • Monthly saving$200
Exemples de résultats
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 August 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.