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.

Calculateur de Fonds d'Urgence

Calculez la taille idéale de votre fonds d'urgence selon vos dépenses.

Dépenses Mensuelles Essentielles

Sécurité de l'Emploi

Nombre de Personnes à Charge

Fonds d'Urgence Recommandé

$14,000.00

Mois de Couverture4 mois

Dépenses Mensuelles$3,500.00

Minimum (3 mois)$10,500.00

Maximum (8 mois)$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.

Analyse hypothétique

Nombre de Personnes à Charge$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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À propos de cette Calculatrice

Les experts financiers recommandent de conserver 3 à 6 mois de dépenses dans un fonds d'urgence accessible. Ce calculateur personnalise ce conseil selon votre stabilité d'emploi et votre situation.

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Questions Fréquentes

Où garder mon fonds d'urgence ?

Sur un livret d'épargne à taux élevé, liquide mais séparé de votre compte courant pour éviter les dépenses impulsives.

Quelles dépenses compter ?

Uniquement les dépenses essentielles : loyer, charges, alimentation, assurances, remboursements minimums et transport. Excluez les loisirs et dépenses discrétionnaires.

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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.