Emergency Fund Calculator

Determine how much you need in your emergency fund based on your expenses and financial situation

Expense Summary

No transaction data available. Please manually enter your monthly expenses.

Fixed Monthly Expenses

Rent, utilities, insurance, subscriptions, loan payments

Variable Monthly Expenses

Groceries, dining, entertainment, shopping, transportation

Calculator Settings

Months of Coverage: 6

Standard recommendation is 3-6 months. Adjust based on your situation.

Add Buffer

Standard calculation with no additional buffer

Current Emergency Fund Balance (Optional)

Enter your current emergency fund balance if you have one

To get an accurate emergency fund calculation, add your transactions or manually enter your monthly expenses. The calculator will use your transaction history to identify fixed expenses and calculate your average monthly spending.