Emergency Fund Calculator

Find out how much you should save for emergencies and how long it will take to build your safety net. Adjust the factors that matter for your household.

✔ No login required
✔ All data stays in your browser
✔ Automatically saved for next visit

🔒 Your emergency fund profile

Monthly essential expenses

Monthly savings capacity

Job stability Very stable (government, long-term contract) Stable (full-time employee) Unstable (freelancer, commissions) Very unstable (irregular income)

Dependents None 1 dependent 2 dependents 3+ dependents

Health risk level Low Medium High

Minimum fund:

Recommended fund:

Ideal fund:

🏁 start saving

⏳ At your current pace, you’ll reach your recommended fund in months.

🔒 Bookmark this page. Your emergency plan is saved automatically.

How your safety net is built

We calculate your base emergency fund as monthly expenses × job stability months. Then we adjust for dependents and health risks. The result is a tailored range (minimum, recommended, ideal). The progress bar shows how far you are toward the recommended fund based on your current savings.