Free tool
Emergency Fund Planner
Find how much cash to keep on hand for job loss, medical bills, or major repairs.
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Key insights
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Next steps
- Enter your numbers to see personalized advice.
An emergency fund calculator estimates how much cash you should keep for unexpected expenses. Enter monthly essentials and a coverage target (commonly 3–6 months) to see your goal, progress, and remaining gap.
Use this free emergency fund planner when you are starting from zero, rebuilding after a large bill, or checking whether your savings still match today’s rent and grocery costs.
Once you have a target, use the savings goal planner to set a monthly contribution timeline, then automate transfers on payday. Read our emergency fund guides for starter-fund tactics before the full reserve.
Frequently asked questions
How much emergency fund should I have?
A common target is three to six months of essential expenses. Self-employed or single-income households often aim higher.
Where should I keep emergency savings?
A high-yield savings account separate from checking keeps cash liquid and reduces accidental spending.
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