Emergency Fund Size Calculator
Calculate recommended emergency fund based on your situation
Financial Basics
Housing, food, utilities, transportation, insurance
Risk Factors
Emergency Fund Recommendation
Recommended Fund Size
$$21000
7.0 months coverage
Current Coverage
1.7 months
$$5000 saved
Shortfall
$$16000
32 months to goal
Risk Level: LOW
Minimal buffer - high risk if income disrupted
Savings Milestones
✓
Mini emergency fund
$$30001 month buffer
2
Basic security
$$90003 months coverage
3
Standard fund
$$180006 months recommended
4
Full fund
$$210007.0 months adjusted
Personalized Recommendations
- • Single income source: maintain higher buffer
Note: Standard recommendation is 3-6 months expenses. Adjust upward for: self-employment (+4 months), unstable job (+3), single income (+1), health issues (+2). Keep funds in accessible savings account. Review annually. Consider tiered approach: 1-month cash, remainder in liquid savings.