Emergency Fund Calculator
Estimate how many months your current savings can cover, compare against risk-based guidelines, and see what it would take to reach your target cushion.
Your Situation
Choose the profile that best matches your job stability, income volatility, and responsibility load.
Profile guidance: Standard — aim for about 6–12 months of expenses.
Savings Plan (if you’re short)
Additional savings needed to hit 6.0 months$3,000
Suggested monthly savings for 12 months$250
This assumes expenses stay flat and doesn't factor in investment returns or interest on savings.
Runway Snapshot
Current emergency savings$15,000
Monthly expenses$3,000
Runway at current savings5.0 months
Your target6.0 months
0 monthsScale: ~9 months
Below minimum cushion
You're short by about 1.0 months of expenses ($3,000) relative to your target.
Guidelines & Interpretation
- • Standard: recommended 6–12 months of essential expenses.
- • You currently have a runway of 5.0 months, which the tool classifies as: Below minimum cushion.
- • Closing the gap by saving about $250 per month for 12 months would bring you to your target cushion.
- • This tool doesn't replace personalized financial advice, but it gives a clear, rule-of-thumb view of your safety net.