Money
Emergency-fund runway calculator
Turn essential monthly expenses into a transparent safety target and see how long your accessible savings may last.
Use expenses that must continue during a disruption. Keep this money accessible and low-risk.
Emergency-fund target
$7,500.00
3 months of the essential expenses entered.
There is no universal target. Income stability, dependants, insurance, public benefits, health needs, and access to credit can change the appropriate buffer.
Plain-language method
Build resilience in layers, not from a universal rule.
The target multiplies essential monthly expenses by the runway you select. The current runway divides accessible emergency savings by those expenses, while the timeline uses the monthly contribution entered.
The OECD investor-education framework places a liquid savings reserve before investing. Your appropriate amount still depends on income stability, dependants, insurance, public benefits, and local risks.
Source: IOSCO-OECD investor financial-education framework
Results update instantly and stay on your device. Review the assumptions above before relying on an answer.