Emergency fund calculator
Keep it in a separate savings account you can reach in a day or two, not in stocks.
Change any number and the result updates. Nothing you type leaves your device.
Three things to know.
Count must-pay costs
Only what you'd still pay if your income stopped: rent, bills, food, transport, minimum debt payments.
Multiply by months
costs × 3 to 6. More if you're self-employed or the only earner at home.
Start with one month
One month of costs is your starter goal. Hit that, clear expensive debt, then grow it to the full target.
20 lessons, 30 seconds each.
One idea per video. Swipe to see them all.
Tools for this topic.
Optional. Everything above stays free. Pay once, download instantly, keep forever.
The Cushion Kit
Your safety cushion in 90 days.
Savings Challenge Pack
10 challenges from $100 to $10,000. No math.
Simple Expense Tracker
See where every dollar goes, in 2 minutes a day.
The Start Here Kit
A one-month spending tracker and a $1 a day savings challenge. Works in Excel and Google Sheets. Free to share.
Good questions.
Should I build this before paying off debt?
Where should I keep it?
Does a credit card count as an emergency fund?
I used it. Did I fail?
Work is changing
AI and new technology are changing jobs fast. Savings and skills give you time and choices, whatever happens.