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Emergency Fund Calculator

How many months of expenses should you stash away? It depends on your life, not a generic rule.

Your Situation

Monthly Essential Expenses ($)

Job Stability

Very stable (tenured, gov) Stable (salaried, corporate) Moderate (contract, freelance) Unstable (gig work, seasonal)

Family Dependents

Just me Partner, no kids 1 child 2+ children

Health Insurance

Employer-provided Marketplace / ACA None / high deductible

Other Income Sources

Partner's income covers all Some side income None — sole earner

All data stays in your browser — we never see it.

Recommended Fund

3 months
$0

Breakdown

Base recommendation3 months
Job stability adjustment+0
Family adjustment+0
Insurance adjustment+0
Income backup adjustment-0
Total recommended3 months

Saved Calculations

DateExpensesMonthsTargetAction
No saved calculations yet.

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