Emergency Fund Calculator
Your safety net number, in seconds.
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Your Results
Emergency fund target$21,000.00
Months covered6
Financial advisors recommend 3-6 months for stable jobs, 6-12 for variable income.
Frequently Asked Questions
How big should my emergency fund be?
3-6 months of essential expenses is the standard. Freelancers, commission earners, and single-income households should target 6-12 months.
Where should I keep it?
A high-yield savings account — safe, liquid, and earning ~4% in 2026. Don't invest your emergency fund in stocks.
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