Free calculator · Emergency Fund
How many months are you covered?
Your emergency fund isn't measured in dollars — it's measured in time. Enter two numbers and see how many months of essential expenses you could cover if your income stopped tomorrow, plus your one next move.
Housing, utilities, food, insurance — the must-pays only.
Money you'd actually tap in a pinch — not retirement.
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Questions people ask
How many months do I actually need?
Three to six months of essential expenses is the common range — not a percentage of income. One month is a huge first win; build in milestones from there.
Does my checking buffer count?
Keep them separate. A ~$500–$1,000 buffer in checking handles everyday timing; the emergency fund is larger and for a real loss of income.