Emergency Fund Calculator
Find out exactly how much you need for 3, 6, or 9 months of expenses — and how long it will take to save it at your current rate.
3-Month Fund
$9,150
Time to save
1y 11m
22% funded • $7,150 remaining
6-Month Fund
$18,300
Time to save
4y 1m
11% funded • $16,300 remaining
9-Month Fund
$27,450
Time to save
6y 1m
7% funded • $25,450 remaining
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Frequently Asked Questions
How much should my emergency fund be?
Most financial experts recommend 3–6 months of essential living expenses. If you have variable income, dependents, or work in an unstable industry, aim for 6–9 months.
Where should I keep my emergency fund?
In a high-yield savings account (HYSA). It should be liquid (accessible within 1–2 days), separate from your everyday checking account, and earning competitive interest (currently 4–5% APY at many online banks).
Should I build an emergency fund before paying off debt?
Yes — start with a small starter emergency fund of $1,000–$2,000 before aggressively paying off debt. This prevents you from going deeper into debt when unexpected expenses arise.
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