Emergency Fund Calculator
Calculate how much you need in your emergency fund and how long it will take to build it. Plan for 3-6 months of essential expenses.
計算例
An emergency fund is the foundation of financial security. It protects you from unexpected expenses like job loss, medical bills, or car repairs without going into debt. This calculator helps you set a target and create a savings plan.
ヒント
- 1Aim for 3-6 months of essential expenses (not total income) in your emergency fund.
- 2Keep your emergency fund in a high-yield savings account for easy access and some growth.
- 3Start small if needed — even $500-$1,000 provides a meaningful buffer.
- 4Replenish your emergency fund immediately after using it.
- 5Self-employed individuals should aim for 6-12 months due to income variability.
よくある質問
How much should I have in my emergency fund?
Most financial advisors recommend 3-6 months of essential expenses. If you have variable income, a single income household, or work in an unstable industry, aim for 6-12 months.
Where should I keep my emergency fund?
Keep it in a high-yield savings account or money market account. It should be easily accessible (no penalties for withdrawal) but separate from your checking account to reduce temptation to spend it.
What counts as an emergency?
True emergencies include job loss, medical emergencies, major car or home repairs, and unexpected essential expenses. Sales, vacations, and planned purchases are not emergencies — budget for those separately.
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