Emergency Fund Calculator
Determine exactly how much you need to save to protect yourself from unexpected financial shocks like job loss or medical emergencies.
Input Data
Only include absolute necessities. Netflix is not an emergency expense.
Results
Monthly Essential Expenses
$2,850
Minimum Goal (3 Months)
$8,550
Recommended Goal (6 Months)
$17,100
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Why You Need an Emergency Fund
An emergency fund is your financial safety net. It prevents you from going into debt when life happens—whether that's a car repair, medical bill, or sudden job loss.
How Much is Enough?
- 3 Months: Good for single renters with stable jobs.
- 6 Months: Recommended for homeowners, families, or those with variable income.
- 9-12 Months: Ideal for freelancers, high-earners with niche skills, or during economic downturns.