Emergency Fund Calculator 1) Monthly Essential Expenses Housing (rent/mortgage) Utilities (power, water, internet) Groceries Transportation (gas/transit) Insurance Premiums Healthcare (avg. monthly) Debt Payments (min only) Childcare Subscriptions/Other essentials Total Monthly Essentials $0 Only include costs you’d keep paying during an emergency. Skip restaurants, shopping, and extras. 2) Risk Profile (adjusts recommended months) Job Stability Stable Moderate High risk Income Volatility 0=steady, 3=very variable Dependents Single-Income Household? No Yes Self-Employed / 1099? No Yes Medical Cushion (optional) Extra monthly medical needs during emergencies Base Months (3–6 recommended) 6 mo Risk Add-On Months (auto) +0 mo Recommended Months 6 mo 3) Add Buffers (one-time or deductible) Home/Renters Deductible Auto Insurance Deductible Health Insurance Deductible Upcoming One-Off Expense (e.g., move) Other Buffer 4) Savings Plan Current Emergency Savings Monthly Contribution Annual HYSA APY (%) Calculate Reset Export CSV Recommended Months6 Target Fund (Excl. Buffers)$0 Buffers Total$0 Total Target (Core + Buffers)$0 Where to Keep It— Estimated Time to Target— Projected Balance Target Projection (month by month until target or 48 months) MonthProjected BalanceTotal ContribInterest (HYSA) Notes “Essentials” = bills you must keep paying. Cut non-essentials during emergencies. Recommended months: base (3–12) + risk add-ons (stability, dependents, volatility, single-income, self-employed). HYSA interest is estimated (monthly compounding from APY). No taxes modeled. Educational tool—this isn’t financial advice.
