Emergency Fund Planner
Build a safety net that fits your life
Estimate the right cash buffer for your situation. Add your monthly expenses, choose risk level, and see how long it takes to fill the gap.
Expense inputs
Add monthly estimates for each category.
Custom expenses
Settings
Summary
Savings timeline
Charts
Expenses + savings timeline
Scenarios
Save and compare plans
Side-by-side comparison
| Scenario | Monthly total | Target | Risk months | Shortfall/Surplus | Months needed |
|---|
AI comparison
Add two or more scenarios, then run Compare with AI.
Why plan an emergency fund
Sleep better with a solid cash buffer
A right sized emergency fund keeps you out of debt when life gets messy. This planner shows you how much to set aside, how your risk level changes the target, and how long it will take to get there.
Human, not hype
Clear language, real numbers, and exports you can share or keep for your records.
Risk-aware targets
Income stability nudges your target higher or lower so it fits how you actually earn.
Export-ready
CSV and PDF downloads include expenses, targets, and a savings timeline for follow-up.
Plan like a human, not a spreadsheet
We translate the math into plain language so you can make decisions with confidence. Adjust months, risk level, and custom expenses to see what truly fits your life not someone else’s rule of thumb.
Actionable next steps
Turn your target into a simple plan: use the timeline to set a monthly transfer, automate it in your bank, and revisit the numbers every few months to stay on track.
How to use this calculator
- Add your monthly expenses (include custom items for accuracy).
- Pick your income stability level to set a risk-aware months target.
- Enter current savings and monthly capacity to see any shortfall.
- Review the completion date and weekly savings guidance if you have a gap.
- Export CSV/PDF to keep a record or share with a partner/advisor.
Disclaimer: This calculator is for educational purposes only and does not provide financial advice.