Emergency Fund Calculator
Translate your chosen months of essential expenses into a savings target and funding gap.
Your inputs
Use consistent units and periods. Defaults are examples.
Your result
Check the assumptions below before relying on a result.
Formula and method
Target = essential monthly expenses × chosen months. Gap = max(0, target − existing savings). Whole months to fund = ceiling(gap ÷ monthly contribution).
Worked example
At 2,500 essential expenses and a chosen three-month cushion, the target is 7,500. With 2,000 saved and 500 added monthly, the 5,500 gap takes 11 months.
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