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Emergency Fund Calculator

How much do you need in your safety net? Enter your monthly expenses and see 3, 6 and 12 month targets.

Monthly rent/mortgage ($)

Monthly food ($)

Transport ($)

Utilities + insurance ($)

Debt repayments ($)

Other essentials ($)

Total monthly essentials —

3 months

—

minimum safety net

6 months

—

recommended

12 months

—

ultra-secure

💡 Keep your emergency fund in a high-yield savings account (HYSA) — accessible within 1 business day, earning 4–5% in 2025. Don't invest it in shares.

🥧 50/30/20 Budget 🎯 Savings Goal 🏦 Sinking Fund 🎯 FIRE Calculator

Emergency Fund Calculator

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