Emergency Fund Calculator
Calculate how big your emergency fund should be with this free online emergency fund calculator. Cover 3 to 12 months of expenses and see when you get there.
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How to use Emergency Fund Calculator
- 1Enter your essential monthly expenses such as rent, food, utilities and debt payments
- 2Choose 3, 6, 9 or 12 months of cover
- 3Add what you have saved and what you can save each month to see the gap and when you reach the goal
Frequently asked questions
How much should I have in my emergency fund?▾
Most experts suggest 3 to 6 months of essential expenses. If your essentials are 2,500 a month, a 6 month fund is 15,000.
Which expenses count toward an emergency fund?▾
Only costs you must keep paying if your income stops: housing, food, utilities, transport, insurance and minimum debt payments. Leave out holidays, dining out and other extras.
Where should I keep my emergency fund?▾
Keep it in a safe, easy-to-reach account such as a high-yield savings account, separate from your everyday spending money, so it earns some interest but is available within a day or two.
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