How many months should I cover?
Three to six months is common. Cover more if you have one income, dependents, or income that changes from month to month.
Emergency fund calculator
Add your essential monthly expenses, pick how many months to cover, and see your target and when you'll reach it.
Count only what you must pay if your income stops: housing, food, transportation, health and minimum payments.
Calculations run in your browser. Device saving and carrying a plan are optional. Inputs go to your BudgetPro workspace only when you approve an import.
Questions
Where should I keep it?
Somewhere safe that you can reach in a day or two and that keeps up with inflation, apart from your everyday account.
Can BudgetPro track my emergency fund?
Yes. Goals shows how many months of your budgeted expenses your savings cover and how much is left to reach your target.
More free tools
- Savings goal planner When you reach a savings goal, or what to save to get there on time.
- Debt payoff planner Snowball or avalanche: your debt-free date and the interest each way.