Emergency fund calculator

A common rule is 3–6 months of essential expenses in easy-to-reach savings. See your target.

Essential monthly expenses

Months of cushion

Target fund

$21,000

$10,5003 months

$21,0006 months

Educational estimate — not individualized financial advice. Assumes steady rates; excludes taxes and fees unless stated.

How it works

Keep this in a high-interest savings account you can access quickly. Freelancers and single-income households usually aim for the higher end of the range.