Sleep-better math
Emergency Fund Calculator
Right-size your buffer, see how long it’ll take to reach your goal at your current savings rate, and learn whether you’re carrying real risk.
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Build your buffer
Adjust the numbers — your target updates instantly.
Your essential monthly expenses
Add what you'd still have to pay in a real emergency. Skip a category if it doesn't apply.
Total monthly essentials
$0
What about Netflix, dining out, vacations, hobbies?
Those are intentionally excluded. They're discretionary — in a real emergency you'd cut them, so your emergency fund doesn't need to buffer them. The list above is essentials only: things that keep your home, food, healthcare, and transportation running.
Your savings
Coverage target
Custom months
Your fund target
Target fund size
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Gap to goal
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Months covered today
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Time to reach goal
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Estimated goal date
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0% of the way to your target.
Risk level
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Enter your numbers to see where you stand.
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