How to Calculate Your Emergency Fund (3 vs 6 Months?)

Most people pick a random number like $10,000. But is that enough to survive a layoff and a medical emergency?

The Pain of Being Cash Poor

If you don't have liquidity when disaster strikes, you are forced to use credit cards. This "emergency tax" destroys wealth.

The Easy Way: The Safety Net

Our tool asks simple questions about your income and dependents to recommend a specific 3-month and 6-month savings target.

Frequently Asked Questions

Where should I keep it?

In a High-Yield Savings Account (HYSA). Accessible but separate.