Free Tool

Emergency Fund Calculator

Estimate your emergency fund target.

Use monthly amounts for the expenses you would still need to cover during an unexpected change. Leave anything that does not apply blank.

Your privacy matters. Your numbers stay on your device. Chapter & Changes does not collect or store the financial information you enter into this calculator.

Home & Daily Essentials

Include the monthly costs you would need to keep paying.

Housing

Utilities

Groceries

Transportation

Financial & Health Essentials

Include minimum obligations and necessary care.

Insurance

Minimum debt payments

Medical / health essentials

Other essential expenses

Current Emergency Savings

Enter the amount you have already set aside for emergencies.

Current savings

Choose a Target

Select how many months of essential expenses you want to estimate.

3 months 6 months 9 months 12 months

Emergency Fund Snapshot

Your estimated target

Total Essential Monthly Expenses: $0.00
Selected Number of Months: 6
Recommended Emergency Fund Target: $0.00
Current Emergency Savings: $0.00
Amount Still Needed: $0.00

Enter your essential monthly expenses to estimate a target.