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Emergency Fund Target Planner

Compute how much emergency fund you need based on monthly expenses and a target-months cushion, and how long to build it at a given monthly save rate.

Average Monthly Expenses ($)

Target Months of Runway

Current Emergency Savings ($)

Monthly Save Toward Fund ($)

Limitations: Target is a planning number. Hold the fund in a HIGH-LIQUIDITY vehicle (HYSA, money-market) — not equities. Does NOT model income loss, windfalls, or tax impact on withdrawals.

What to do next: Standard guidance: 3 months (stable dual income) to 6+ months (single income, variable income, job-uncertain). Adjust targetMonths to your risk profile.