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Emergency fund target

Not a number. A number of months.

Job-stable in a dual-income household? Three months is fine. Solo, contractor, single-income family? More like nine. Walk through the math.

Monthly expenses
$

Real spending — rent, groceries, transit, insurance — not your fantasy spreadsheet number.

Runway months
mo

3 months if your job is rock-solid and you have a partner with income. 9+ if you're solo or freelance.

Currently saved
$
Your target

$21,000

6 × $3,500 monthly

$2,000 saved10%

$19,000 to go.

Your current savings cover ~0.6 months of expenses.

Park this in a high-yield savings account or treasury money market — you want it accessible within a day, not invested. The point isn't return; it's that nothing has to be sold at a loss when life happens.

Where should this actually live?

HYSA, money market, T-bills — let's talk through where to park it.

Free 7-day trial. No card. We'll save what you wrote so you don't lose your spot.

Emergency fund target — Justin Huynh