BudgetKit
Emergency Fund Calculator
Estimate target savings and timeline so your cash buffer can absorb income and expense shocks.
Emergency Fund Planner
Set essentials, target months of coverage, current balance, and monthly contribution to project your runway.
FAQ
How many months of expenses should I target?
Three months is a common starting point; variable income or single-earner households often target six or more months.
Should I use total spending or essentials only?
Use essential monthly expenses to set a realistic emergency baseline for worst-case periods.
What if I cannot contribute monthly yet?
Start by freeing recurring cash flow in your monthly budget, then restart with a smaller contribution target.
Need to free up monthly cash first? Use the Monthly Budget Calculator.