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.

Emergency Fund Calculator

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Monthly expenses ($)

Months of cover

Already saved ($)

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

How to use Emergency Fund Calculator

Open the toolNo signup and nothing to install; it works as soon as the page loads.
Set “Monthly expenses”
Set “Months of cover”
Set “Already saved”
Read the resultChange any input and the result is recalculated immediately.

Worked example with the defaults

EMERGENCY FUND TARGET · 6 months of expenses · $0 saved: $18,000

Nothing you enter leaves your device

All of the work happens inside your browser. Whatever you type is never packaged up and sent to a server, and no request this page makes carries it.

That makes it safe for contract amounts, personal details and internal documents you would rather not hand to a third party — close the tab and it is gone.

What this tool does not do

Emergency Fund Calculator only does what a browser can do on its own — it talks to no backend service. So it keeps no history for you and syncs nothing across devices; if you need a record, copy or download the result.

It is also not a substitute for professional judgement. For legal, medical or tax decisions, treat the output as a starting point rather than a final answer.

Frequently Asked Questions

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.