Emergency Fund & Safety Net Planner

Determine your household’s true monthly baseline burn rate and calculate your ideal 3 to 12-month emergency safety net.

Monthly Essential Expenses

$Currency:
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$
$
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Target Emergency Fund Goal
$25,500
Provides 6 months of essential household cushion
Monthly Essential Burn Rate
$4,250/mo
Current Months Covered
3.5 Months
Current Goal Progress
58.8%
Funding Shortfall
-$10,500
Fund Progress58.8%
Current Liquid Reserves:59%
Target Funding Shortfall:41%
High-Yield Accounts for Emergency Reserves
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The Psychology and Math of an Emergency Reserve

An emergency fund is insurance, not an investment. Its purpose is not to beat the stock market, but to keep you from being forced to liquidate depreciated retirement stocks or take on 25% APR credit card debt when an unexpected life disruption occurs (e.g. medical emergency, job downsizing, furnace breakdown).

Frequently Asked Questions

Financial planners universally recommend holding between 3 to 6 months of essential living expenses. Dual-income households with stable corporate jobs can often manage with 3 months. Freelancers, solo business owners, commissioned sales professionals, or single-earner households with dependents should target 6 to 9 months of essential coverage.
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