How many months should I aim for?

Most planners suggest 3–6 months of current spending for an emergency fund. Self-employed or single-income households should aim higher.

Do I include investments?

Only the portion you'd realistically liquidate. Selling stocks during a downturn locks in losses, so a cash buffer matters.

Rent + utilities + food + minimum debt payments. Cancel discretionary spend (subscriptions, dining out, travel).

If your income stopped today, how many months could you cover?

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Liquid savingsMonthly spend (current)Lean spend (% of current)What you could realistically cut to.

Runway (current spend)

8.0 months

Runway (lean spend)

11.4 months

Lean monthly spend

$1,750

Total liquid savings

$20,000

Results are estimates for informational purposes only. Not financial advice.

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Results are estimates for informational purposes only.