Emergency Fund Calculator — free online
Life throws surprises at you. The car breaks down, a job ends, the boiler dies in winter. The advice everyone gives is "keep an emergency fund," but how much is enough? Three months? Six? It's easy to feel lost. We added a free tool that does the math for you — Emergency Fund Calculator — right in your browser.
What it does
You tell it your monthly costs and how many months of cover you want. It works out the total emergency fund you should aim for, and how much you still have left to save once you enter what you've already put aside. No spreadsheets, no formulas to remember.
Nothing leaves your device
The whole thing runs in your browser. Your numbers stay on your screen and are never uploaded or saved anywhere. When you close the tab, nothing is left behind.
How to use it
- Open Emergency Fund Calculator and type in your monthly expenses.
- Choose how many months of cover you want, and enter what you've already saved.
- Read your target amount and how much is still to go.
It's free with no limit. There are more small tools on the Apps page.