"3 to 6 months" is common advice, but it's a starting point, not a rule — your right number depends on how quickly you could replace lost income and how predictable your expenses are. This tool turns a few honest answers about your situation into a specific recommendation within the widely-used 3-12 month range, with the reasoning shown so you can judge it yourself.
Monthly Essential Expenses
$
Rent/mortgage, utilities, food, insurance, minimum debt payments, transportation — not discretionary spending.
Your Household's Risk Factors
Current Progress Optional
$
$