Your emergency fund,
in months of breathing room.
Choose the essentials and the amount of time you want to picture.
Your numbers
ILLUSTRATIVE EXAMPLEUSD • Amounts up to $100,000,000.00 (100 million US dollars). Up to 2 decimal places. Valid Indian or international commas are accepted. Rates 0–25%, up to 4 decimals.
Your 3-month buffer
USD · International number style
6 thousand US dollars
$5,000.00 remains. At $250.00 a month, the gap closes in 20 months.
0.5 of 3 months covered.
Explain this
One block represents one month of essential expenses. The selected target is your monthly essentials multiplied by your chosen coverage. Existing savings fill the blocks. When essential expenses are zero, months of coverage are not applicable.
Assumptions in this picture
All scenario amounts use USD. International number style. No currency conversion.
- $2,000.00 in monthly essentials × 3 months.
- $1,000.00 set aside; $250.00 saved per month.
- No interest. Examples of 3, 6 or 9 months are comparisons, not recommendations.
View numbers
| Coverage example | Target | Gap today |
|---|---|---|
| 3 months (selected) | $6,000.00 | $5,000.00 |
| 6 months | $12,000.00 | $11,000.00 |
| 9 months | $18,000.00 | $17,000.00 |
Printing includes your result and assumptions. Open a comparison, explanation or numbers table to include it.
A picture of one set of assumptions, not a prediction or personal recommendation. See the math behind it.
Give your buffer a useful unit.
USD example. Calculator settings do not convert this article’s amounts.
With $2,000 in essential monthly expenses, three months of coverage means a $6,000 target. If $1,000 is already set aside, you cover half a month and have $5,000 left to save.
Multiply monthly essentials by your selected number of months. Subtract the existing fund to find the gap. At $250 a month and no interest, that gap takes 20 months to fill.
Read the step-by-step guide →Keep the assumptions in view.
Three, six and nine months are comparison examples. The right amount depends on your circumstances. No interest is included, and changing expenses are not predicted.
What counts as an essential expense?
Think about the bills you would still need to cover during a disruption: housing, basic food, utilities, transport and other unavoidable commitments. Your list may differ from someone else’s.