Emergency Fund Calculator — Find Your Target Cushion

Adjust the sliders — the answer updates instantly.

Your numbers stay in your browser until you ask the advisor.

Your target cushion

$9,600

You're 21% there. A start is a start — even $50 a month moves this.

Target cushion $9,600

Current savings $2,000

Still to save $7,600

Estimates based on the assumptions above — real offers will differ.

Saved so far, toward your target

21% of target saved

Gauge: you've saved 21% of your 6-month target cushion of $9,600.

Make sense of these numbers

AI reading

Get a plain-language reading of your result — what looks solid, what to watch, and questions worth asking a lender.

Educational guidance, not financial advice.

Answer in

AI model

How to Read Your Result

Four things worth understanding as you build your cushion.

Essential expenses only The target is built from what keeps going without income — housing, food, utilities, minimum debt payments. Leave out anything discretionary for an honest number.

Months of cover is a judgment call Three months suits steady income; six to nine suits freelance, commission, or less predictable work. Pick what fits your situation.

The gauge shows real progress The ring fills as your current savings approach the target — a clear, honest read of how far there is left to go.

A start is a start Even a small, regular amount moves the number. The tool is here to show the target clearly, not to make the gap feel bigger than it is.

What This Tool Does and Doesn't Do

The maths is simple and transparent — essential expenses multiplied by the months of cover you choose — and it runs entirely in your browser. Nothing you type is sent anywhere unless you press "Explain my numbers", and even then only the figures go, never your name or contact details.

What it can't do is tell you the "right" number of months for your life — that depends on how stable your income is and what safety nets you already have. Treat the result as a clear starting target, not a rule.

Important: This is educational information, not financial advice. Confirm your plan with a qualified adviser if you'd like a second opinion.

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