Work out how much to keep in your emergency fund, how to allocate it across cash and inflation hedges, and how much to top up each month to protect its purchasing power. No signup required.
Your situation
Answer two questions for a tailored target
We recommend about 4 months of expenses.
Allocation strategy
Match your mix to your risk tolerance
6 months of expenses · 4 recommended
Suggested allocation
How to split your fund across liquid and inflation-resistant assets
Your emergency fund
Key numbers at a glance
Target amount
24K
Months covered
6
Monthly inflation top-up
$60/mo
Recommended months
4
Allocation breakdown
Amount, share and months for each bucket
$8,000
2.00 months of expenses
$8,000
2.00 months of expenses
$6,000
1.50 months of expenses
$2,000
0.50 months of expenses
6 months of expenses · 4 recommended
Suggested allocation
How to split your fund across liquid and inflation-resistant assets
Allocation breakdown
Amount, share and months for each bucket
$8,000
2.00 months of expenses
$8,000
2.00 months of expenses
$6,000
1.50 months of expenses
$2,000
0.50 months of expenses
Your situation
Answer two questions for a tailored target
We recommend about 4 months of expenses.
Allocation strategy
Match your mix to your risk tolerance
Your emergency fund
Key numbers at a glance
Target amount
24K
Months covered
6
Monthly inflation top-up
$60/mo
Recommended months
4
This calculator estimates how large your emergency fund should be — the cash cushion that covers essential costs if your income stops or an unexpected bill lands — and how to spread it across liquid and inflation-resistant assets.
Answer two quick questions about your income stability and dependents to get a recommended number of months, then fine-tune the target, inflation assumption, and allocation strategy.