Emergency Fund Calculator

How many months of expenses should you stash away? It depends on your situation.

Monthly Expenses ($) Rent, utilities, groceries, minimum debt payments

Job Stability

Household Size

Current Emergency Savings ($)

Your Results

—

Target Emergency Fund

—

Months of Expenses

Current Savings —

Still Needed —

🏦 Where to Park Your Emergency Fund

Don't let inflation eat your safety net. High-yield savings accounts offer 4-5% APY with instant access.

Find High-Yield Savings →

How This Works

The old "3-6 months" rule is too simple. If you're single with a government job, 3 months might be plenty. If you're the sole breadwinner with kids, 12+ months is smarter. This calculator adjusts the months based on your job stability and household responsibilities.

Where to keep it: A high-yield savings account — not stocks, not under your mattress. You need liquidity and safety, not growth. The 4-5% APY at least beats inflation.