Emergency Fund Calculator

This calculator helps you figure out exactly how much cash cushion you need to weather a job loss, medical bill, or other unexpected expense without going into debt.

It multiplies your monthly essential expenses by your chosen coverage period (typically 3-12 months), then compares that target against what you've already saved to show your remaining gap and progress.

Example: If your essential monthly expenses are $4,000 and you want 6 months of coverage, your target fund is $24,000. Starting with $5,000 saved, you're already 21% of the way there.