What's my emergency fund number?

Three months of expenses, six months, a year. The advice is everywhere and none of it is about you. Put in what you actually have to pay every month and how steady your situation really is, and get one number to aim at.

Not financial advice. This is a widely used rule of thumb, worked out from what you type. Sanity check it against your own situation, and nothing you enter leaves your browser.
Fill in the boxes and your number appears. Nothing you type here leaves your browser.

Step 1 of 3

What you have to pay every month if everything else stops. Not your fun spending, just the bills that do not care that you lost your income.

Your essentials, every month$0

Step 2 of 3

Four questions. These are what move the number up or down, and they are the reason a blanket "six months" answer does not fit anybody in particular.

How does income come in?
Does anyone depend on you?
If the income stopped, how fast could you replace it?
How is your health coverage?

Step 3 of 3

Now the part that turns a target into a date.

How often is payday?
Put in at least one monthly essential first, otherwise there is nothing to multiply.
Your emergency fund target
$0
A rule of thumb, not financial advice.
Lean
$0
Your fit
$0
Cautious
$0
Start here, not there
What it takes to get there
Now go make it a real thing
A number in your head is the blob. Give it a tank, log every deposit, and watch it fill.
Start your aquarium free

This is a widely used rule of thumb, not financial advice. It scales the standard three to six months of essential expenses up or down based on how steady your situation is. Your circumstances may call for something different, and nothing you type here leaves your browser.

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