How much emergency savings do you really need?

Estimate a savings buffer based on expenses and desired months of coverage.

When this calculator is useful

Estimate the emergency-cash reserve needed to cover essential expenses during an income interruption.

What to enter

Enter essential monthly expenses, current emergency savings, target months of coverage and the amount you can add each month.

How to read the result

The emergency-fund target is based on expenses and desired coverage. Current coverage shows how many months your existing savings can support, while gap or surplus and time to target show where you stand.

Questions worth testing

Compare 3 versus 6 months of coverage, a higher monthly expense level, or a larger monthly contribution.