Work out how much to keep in your emergency fund, how to allocate it across cash and inflation hedges, and how much to top up each month to protect its purchasing power. No signup required.
Your safety net
Change any number — nothing is saved
We suggest about 4 months for your situation.
6 months of expenses · 4 recommended
Suggested allocation
How to split your fund across liquid and inflation-resistant assets
Your emergency fund
Key numbers at a glance
Target amount
Months covered
Monthly inflation top-up
Recommended months
Allocation breakdown
Amount, share and months for each bucket
$8,000
2.00 months of expenses
$8,000
2.00 months of expenses
$6,000
1.50 months of expenses
$2,000
0.50 months of expenses
6 months of expenses · 4 recommended
Suggested allocation
How to split your fund across liquid and inflation-resistant assets
Allocation breakdown
Amount, share and months for each bucket
$8,000
2.00 months of expenses
$8,000
2.00 months of expenses
$6,000
1.50 months of expenses
$2,000
0.50 months of expenses
Your safety net
Change any number — nothing is saved
We suggest about 4 months for your situation.
Your emergency fund
Key numbers at a glance
Target amount
Months covered
Monthly inflation top-up
Recommended months
This calculator estimates how large your emergency fund should be — the cash cushion that covers essential costs if your income stops or an unexpected bill lands — and how to spread it across liquid and inflation-resistant assets.
Answer two quick questions about your income stability and dependents to get a recommended number of months, then fine-tune the target, inflation assumption, and allocation strategy.
Want the full story? How much emergency fund do you actually need?
The questions people usually run next — all free, no signup.