Emergency Fund Calculator
Find out how many months your savings cover. Set any target — 3, 6, 8, 12 months or a custom number.
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How this is calculated
Months covered = current savings ÷ monthly expenses. The 3, 6 and 12-month targets are the coverage tiers commonly cited by sources such as the U.S. Consumer Financial Protection Bureau; they are shown as reference points, not recommendations.
FAQ
What counts as a "month of expenses" in this calculator?
Whatever you enter in the Monthly expenses field. People typically enter only essential outflows — housing, utilities, food, insurance, transport, minimum debt payments — but the calculator does not enforce a definition.
How is "months covered" computed?
Current savings divided by monthly expenses. The progress bar compares that figure to the target you selected.
Can I set a custom number of months?
Yes. The Target field accepts any whole number from 1 to 60. The 3 / 6 / 8 / 12 buttons are quick presets that fill the field for you.
Are my numbers stored anywhere?
No. The calculation runs entirely in your browser. Nothing is sent to a server.