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 Reserva de Emergência

Calcule o tamanho ideal da sua reserva de emergência.

Despesas Mensais Essenciais

Estabilidade no Emprego

Número de Dependentes

Fundo de Emergência Recomendado

$14,000.00

Meses de Cobertura4 meses

Despesas Mensais$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.

Análise E Se

Número de Dependentes$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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Sobre esta Calculadora

Especialistas financeiros recomendam manter de 3 a 6 meses de despesas em uma reserva de emergência acessível. Esta calculadora personaliza essa recomendação com base na sua estabilidade profissional e situação.

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Perguntas Frequentes

Onde guardar minha reserva de emergência?

Em uma conta de poupança de alto rendimento ou CDB de liquidez diária — acessível imediatamente, mas separada da conta corrente.

O que conta como despesa mensal?

Apenas o essencial: aluguel/financiamento, contas, alimentação, seguros, pagamentos mínimos de dívidas e transporte.

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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.