Emergency Fund Calculator
Determine the ideal size of your emergency fund based on your monthly expenses, job security, dependents, and homeownership. Plan how much to save each month to hit your goal.
$
1
05
Job Stability
Homeowner
Include rentals or mortgages.
1
03
18
636
Recommended Fund
$21,000
6 months of expenses
Monthly Savings Target
$1,167
Save over 18 months
Current Expenses
$3,500
Per month baseline
Emergency Fund Tiers
Starter (1 Month)
$3,500
1 months of expenses
Comfort (3 Months)
$10,500
3 months of expenses
Standard (6 Months)
$21,000
6 months of expenses
Stretch (9+ Months)
$31,500
9 months of expenses
Planning Notes
- Average job stability supports a 4-6 month fund.
- Dependents increase risk. Consider at least 1 extra month per dependent.
- Homeowners should plan for repairs and maintenance when sizing emergency funds.
Keep emergency funds in a high-yield savings account for fast access and FDIC insurance.
Scenario Vault
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Comparison
Current inputs vs. selected scenario.
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