← Calculators
Emergency FundSafety · 3 min

For illustration only — not financial advice. Verify assumptions before making decisions.

Pick a coverage target based on how stable your income is, then see how many months of saving at your current pace it takes to get there.
Coverage Target
3 months
Minimum — stable job, low debt
6 months
Recommended for most people
12 months
Conservative — self-employed or variable income
Your Goal
$21,000.00
6 months of expenses
$16,000.00 to go
$5,000.00 saved23.8%$21,000.00 goal
At $300.00/mo you'll reach your goal in 54 months
Coverage Scenarios
3 months$10,500.00
Minimum — stable job, low debt
47.6%$5,500.00 left · 19mo
6 months$21,000.00
Recommended for most people
23.8%$16,000.00 left · 54mo
12 months$42,000.00
Conservative — self-employed or variable income
11.9%$37,000.00 left · 124mo
Tips for Building Your Fund
  • Keep your emergency fund in a high-yield savings account (HYSA).
  • Don't invest emergency funds — they need to be liquid and stable.
  • Review and top up after any large withdrawal.
  • Automate your monthly savings contributions.