Emergency Fund Calculator - Know YOUR Exact Target in 60 Seconds

Stop Guessing. Start Saving with Confidence.

Could you survive 6 months without income?

Most people have no idea how much they actually need in an emergency fund. Generic advice says "$10K" or "3-6 months" but that means nothing if you don't know YOUR number.

This FREE calculator shows you exactly how much YOU need based on YOUR real expenses—not some random target.

✨ What You Get

Instant Emergency Fund Calculator (Google Sheets)

✅ Personalized calculations based on YOUR monthly expenses

✅ See targets for 1-16 months of emergency savings

✅ Automatic calculations—just enter your expenses once

No credit card required. 100% FREE.

💰 How It Works (3 Simple Steps)

Step 1: Download the template (instant access) Step 2: Make a copy in your Google Drive (one click) Step 3: Enter your monthly expenses

That's it! The calculator automatically shows you exactly how much you need for 3 months, 6 months, 12 months, or any timeline you choose.

Time investment: 5 minutes setup, lifetime clarity Result: Know if you need $5,000 or $25,000—no more guessing

🎯 Perfect For:

✓ Complete beginners building their first emergency fund ✓ Families wanting to protect against job loss ✓ Freelancers with irregular income who need bigger buffers ✓ Recent grads starting their financial journey ✓ FIRE seekers calculating their full security target ✓ Anyone tired of generic "save $10K" advice

❤️ What Others Say

⭐⭐⭐⭐⭐ 5.0 Rating (2 Reviews)

"Finally! A calculator that shows MY actual number, not some random amount. This gave me the clarity I needed to start saving with purpose."

Join 73+ people who've calculated their emergency fund target.

🔥 Why This Calculator Changes Everything

Before this calculator:

• Saving random amounts with no clear goal
• Wondering "is $5,000 enough?"
• Feeling anxious because you don't know if you're protected
• Following generic advice that doesn't fit YOUR life

After this calculator:

• Crystal clear savings target based on YOUR expenses
• Know exactly when you'll be fully funded
• Track progress toward actual goal (not made-up number)
• Sleep better knowing you're protected

The difference? Going from "I think I have enough" to "I KNOW I'm covered."

💡 Common Questions

Q: Why do I need this if financial experts say "save $10K"? A: Because $10K might be way too much or way too little for YOU. If your expenses are $1,500/month, you only need $9,000 for 6 months. If they're $3,500/month, you need $21,000. This calculator tells you YOUR number.

Q: What if my expenses change? A: Just update the numbers and it recalculates instantly. Takes 30 seconds.

Q: Do I need Excel skills? A: Nope! If you can type in a box, you can use this. All formulas are pre-built. Just enter your expenses.

Q: Can I customize the categories? A: Absolutely! It's a Google Sheet so you can add, remove, or modify any categories to match your life.

Q: What if I have irregular income? A: Perfect use case! The calculator helps you see how much buffer you need. Many freelancers use this to plan for slow months.

Q: Is this really free? A: 100% free. No hidden costs. Pay-what-you-want means you can download it for $0 if you want.

Q: What do I need to use this? A: Just a free Google account. Works on computer, tablet, or phone.

⚖️ Terms & Use

Personal use only. You may use this template for your own financial planning. Redistribution, resale, or commercial use is prohibited without permission.

No refund needed since it's free! But if you have any issues or questions, email me at hello@lizsfijourney.com.

Please note a FREE Google account is required for you to edit