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Emergency fund calculator

Estimate a cash buffer from your essential monthly expenses and a target you choose.

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Inputs stay in this calculator. Currency changes the label, not the amounts.
A clearer picture
Your target buffer$15,000Left to build $10,000

$5,000 saved / $15,000 target

How this is calculated

Target cash = monthly essential expenses × months selected. The appropriate buffer depends on your income stability, responsibilities and access to cash. This tool does not choose a target for you.