Planning tool
Emergency fund
Build a safety net sized to your real life — not just a round number.
Emergency fund sizes a safety net as a number of months of your spending or income, and shows how long it takes to build from what you already have and what you set aside each month.
Nothing you enter here is stored.
Your numbers
Base your target on
Total of your regular monthly outgoings.
US DollarWhat you already have set aside for emergencies.
US DollarHow much you can set aside each month toward this goal.
US DollarHow many months your fund should sustain you.
For money parked in liquid, cash-like savings — a high-yield account or money-market fund. Don't count on market returns for emergency money.
Fund target
$15K
6 × $2,500.00
Still to save
$12K
20% funded
Time to build
40 months
Your path to the goal
How many months do you need?
These ranges count months of essential spending — the amount your fund needs to replace.
A regular paycheck shortens the bridge. Good for employees with predictable income and few dependents.
Irregular income means gaps can last longer. A bigger cushion prevents you from borrowing to survive them.
Children, elderly relatives, or anyone relying on you adds unpredictable costs that don't pause.
When one job covers everything, losing it is a crisis. More runway lets you find the right next step — not just the fastest one.
This is a planning estimate. Your ideal fund size depends on your situation, local costs, and risk tolerance.
Bring it all into one place.
Every currency you use and everyone in your household, in one place that's yours.
No bank logins · Sample data you can erase in one click