Emergency Fund Calculator
How to size an emergency fund
- Enter your essential monthly expenses: rent or mortgage, food, bills, insurance and minimum debt payments.
- Choose how many months to cover, usually 3 to 6.
- Enter what you have saved and what you can save each month to see how long it will take.
Frequently asked questions
How many months should I cover?
Three months is a common minimum. Six or more makes sense if your income is irregular, you are the only earner or your job would be hard to replace.
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