Income & Reality
How much emergency cash do I need?
This emergency fund calculator sets 1, 3, and 6 month targets so you know how much cash buffer to build.
Try the calculator
Use essential expenses only to keep this realistic.
How it works
We multiply your essential monthly expenses by 1, 3, and 6 to set targets. Then we estimate how long it takes to get there based on your monthly contribution.
Example scenario
If essentials are $3,200/month, a 3-month target is $9,600. Saving $300/month gets you there in about 27 months.
What this means
Emergency funds reduce stress and protect you from new debt. Even a one-month buffer improves flexibility fast.
FAQ
How many months should my emergency fund cover?
Many people aim for 3 to 6 months of essentials. Higher job risk usually means a larger buffer.
What counts as essential expenses?
Housing, utilities, food, insurance, minimum debt payments, and basic transportation.
Should I pay debt or build savings first?
A common approach is to build a starter cushion first, then focus on high-interest debt.