Emergency Fund Calculator

Multiply monthly expenses by the months of cushion for your target, then subtract what you already saved.

Emergency Fund Calculator

Multiply monthly expenses by the months of cushion for your target, then subtract what you already saved.

Method and assumptions

Figur applies standard payment, interest, or projection formulas to the values you enter. The calculation runs entirely in your browser.

  • Rates and contributions stay constant for the period unless the calculator says otherwise.
  • Taxes, insurance, fees, penalties, and lender-specific terms are excluded unless a field explicitly includes them.
  • Results are rounded estimates; a financial institution may use different rounding rules or payment dates.

This tool is for general information, not financial, tax, legal, or investment advice. Confirm important figures with the relevant institution or a qualified professional.

Sources and references

Frequently asked questions

How many months should I save?

Three to six months of expenses is a common target.

What counts as expenses?

Use essential monthly costs you would still owe without income.