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Emergency fund calculator

Plan a reserve from your essential monthly expenses.

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Common questions

How is a target emergency fund estimated?

Multiply essential monthly expenses by the number of months you want to cover. Adjust the assumptions to match your household.

Should I include optional spending?

Start with expenses you would still need to pay during a disruption, then decide whether to add a buffer for other needs.

Plan a three-month reserve

At $2,000 of essential monthly expenses, three months is $6,000. Change both the expense amount and the number of months to match your own plan.