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Emergency fund

Emergency fund targets by monthly expenses

From $1,500 to $8,000 a month in expenses.

Updated October 2026Numbers calculated for this page
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Pick your monthly essential expenses to see your 3, 6, 9 and 12 month emergency fund targets and how long they take to build.

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Steady Sums shares general education, not financial advice. Figures on this page are estimates calculated from the assumptions shown. For decisions about your situation, talk to a licensed professional.

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