Where should I keep my emergency fund?

In a high-yield savings account (HYSA) — liquid enough to access immediately, but separate enough that you won't spend it casually. Look for accounts offering 4-5% APY.

What counts as a monthly expense?

Include essentials only: rent/mortgage, utilities, groceries, insurance, minimum debt payments, and transportation. Exclude entertainment, dining out, and other discretionary spending.

How long does it take to build an emergency fund?

If you save $500/month and need $21,000 (6 months of $3,500 expenses), it takes about 3.5 years. Start with a mini goal of $1,000 for small emergencies, then build to 3 months, then 6 months. Automate transfers to make it painless.

Calculadora de Fondo de Emergencia

Calcula cuánto debe ser tu fondo de emergencia según tus gastos mensuales.

Gastos Mensuales Esenciales

Estabilidad Laboral

Número de Dependientes

Fondo de Emergencia Recomendado

$14,000.00

Meses de Cobertura4 meses

Gastos Mensuales$3,500.00

Mínimo (3 meses)$10,500.00

Máximo (8 meses)$28,000.00

3 months (minimum)

6 months

Your target

3 months (min)11K

6 months21K

Your target14K

Based on your job stability and 0 dependents, aim for 4 months of expenses ($14,000.00) in an accessible savings account.

Análisis ¿Qué pasaría si?

Número de Dependientes$14,000.00

Keep your emergency fund in a high-yield savings account — right now that's 4–5%, not the 0.01% of a checking account.

Try next

Savings Goal Calculator

Calculate how long it takes to build this fund at your current savings rate

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Acerca de esta Calculadora

Los expertos financieros recomiendan mantener entre 3 y 6 meses de gastos en un fondo de emergencia accesible. Esta calculadora personaliza ese consejo según tu estabilidad laboral y situación.

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Preguntas Frecuentes

¿Dónde debo guardar mi fondo de emergencia?

En una cuenta de ahorro de alto rendimiento: suficientemente líquida para acceder de inmediato, pero separada de tu cuenta corriente.

¿Qué cuenta como gasto mensual?

Solo lo esencial: renta/hipoteca, servicios, comida, seguros, pagos mínimos de deudas y transporte. Excluye entretenimiento y gastos discrecionales.

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.