Emergency Fund Calculator

Find your 3/6/9-month emergency fund target and the gap to fill.

Monthly essential expenses ($):

Already saved ($):

You can save per month ($):

Planning guide only — not financial advice.

How to use

Enter monthly expenses, current savings and monthly saving, then click Calculate. Everything runs in your browser — nothing is uploaded or stored.

How much should I save?

Most advisors suggest 3–6 months of essential expenses; 9 for variable income.

What counts as expenses?

Enter your must-pay monthly costs: housing, food, transport, bills.

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