Emergency Fund Calculator

See how big your emergency fund should be and how long to build it.

Monthly essentials ($)

Income stability

Dependents

Currently saved ($)

Monthly savings contribution ($)

High-yield savings APY %

Target (6 months)

$27,000

Current gap

$18,000

Months to goal

34.1

Projected date

Jun 2029

Fidelity / Vanguard / Schwab playbook: 3 months for a stable W-2, 6+ for freelancers, +1 month per dependent. Keep the fund in a high-yield savings or money-market account — not invested.

About this tool

Type monthly essentials, job stability, dependents, and monthly savings. Get a recommended fund (3–6 months baseline, more for unstable income), the monthly savings needed to reach it, and the date you'll hit your goal. The r/personalfinance and r/povertyfinance 'how much emergency fund' canonical answer.

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