Emergency savings

Emergency Fund Calculator

Figure out how much cash to keep on hand for lost income, medical costs and other unexpected expenses.

Your target

Choose a minimum cushion and a more comfortable one. There is no single right number for every household.

Essential monthly expenses

Leave out optional saving and investing unless you need those contributions to continue.

Emergency savings you have now

Count cash you can access quickly, not retirement accounts or hard-to-sell assets.

Minimum target

Comfortable target

Time to reach your target

Optional buffers

Count income you would still receiveUse take-home income you are confident would continue during a disruption.Set aside extra for healthcareFor premiums, deductibles or a gap in coverage.Add other one-time expensesFor a home repair, car repair, emergency travel or another risk you want to cover.

We do not estimate unemployment, paid leave or disability benefits. If you expect any of them, enter your own take-home estimate above.

Results

Enter your essential expenses, target range and timeline to see how much you may need.