Emergency Fund Calculator
An emergency fund should cover 3 to 6 months of essential expenses — rent, utilities, food, transport, and minimum debt payments. Multiply your essential monthly costs by the number of months you want to cover. Enter your numbers below to see your target and how close you already are.
Only the must-pay costs: rent, utilities, food, transport, minimum debt payments.
3 months is a common minimum; 6 months is the typical target; aim higher with irregular or single income.
Enter your essential monthly expenses to size your emergency fund.
How many months should I save?
Three months is a reasonable floor. Six months is the common target. Aim for nine to twelve if your income is irregular, you are self-employed, or your household relies on a single earner.
Where should I keep it?
Keep it liquid and separate from daily spending — a dedicated savings account works well. The point is fast access without dipping into it for non-emergencies.
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