Emergency Fund Calculator
Find out how large your emergency fund should be, and how close you are to fully funding it.
Why the target is based on expenses, not income
The standard 3–6 month guideline is sized against essential monthly expenses — rent, food, utilities, insurance, minimum debt payments — not your full income, because the goal is surviving a gap in earnings, not maintaining your current lifestyle.
Who typically needs more than the standard range
Single-income households, commission-based earners, and self-employed people generally carry more income variability than a stable two-income salaried household, and often benefit from sizing toward 6–12 months rather than the lower end of the range.