Get a personalized savings target based on your expenses, income stability, and life situation.
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Monthly Expenses
Your essential monthly costs
Total Monthly Essentials:$3,200
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Your Risk Factors
Select all that apply — these increase your recommended months
Single income household
Self-employed / freelance
Have dependents
Unstable industry
No disability insurance
High-deductible health plan
Homeowner (repairs)
Dual income household
Very stable job / govt
Your Recommended Emergency Fund
$0
6 months of essential expenses
Starter
$0
3 months
Recommended
$0
6 months
Fully Secure
$0
12 months
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Your Progress & Savings Plan
How close you are and how to get there
30%
$0StarterRecommended12 mo
You still need:$0
$0/mo
to reach goal in 6 months
Aggressive
$0/mo
to reach goal in 12 months
Moderate
0 months
at your current savings rate
Your Pace
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How This Calculator Works
The baseline recommendation is 3-6 months of essential expenses. This calculator adjusts upward or downward based on your specific risk factors. Single earners, self-employed individuals, and those in unstable industries need more cushion. Dual-income households and government employees can get by with less. Your emergency fund should cover only essential expenses — the bare minimum to keep a roof over your head and food on the table, not your full lifestyle spending.