How many months should I save?

Three to six months of expenses is the common guideline, more if your income is variable.

Where should the fund sit?

In a liquid, low-risk account you can reach quickly, not invested in the stock market.

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Find the cash cushion you need to cover several months of expenses, and how much more to save. Free.

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Monthly expenses ($)

Months of cover

Already saved ($)

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How many months should I save?: Three to six months of expenses is the common guideline, more if your income is variable.
Where should the fund sit?: In a liquid, low-risk account you can reach quickly, not invested in the stock market.