Emergency fund and financial runway calculator. Recommends target savings cushions (3, 6, 9, or 12 months) based on household income risk, job stability, and monthly essentials.
Runs entirely in your browser
An emergency fund is the cash cushion that keeps a setback — a job loss, a medical bill, an urgent repair — from becoming a debt spiral. This calculator recommends a target fund based on your monthly essential expenses and how much runway (commonly 3, 6, 9 or 12 months) suits your situation, factoring in income stability and household risk.
The right size depends on your circumstances: a single earner in a volatile job needs more months of cover than a dual-income household with stable work. Framing the target in months of expenses — and showing the runway your current savings already buy — makes an abstract “save more” into a concrete, reachable number.
It runs in your browser, so your figures stay private. Use it to set a savings goal, check whether your current cushion is adequate, or decide how many months of security you want before investing spare cash elsewhere.
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