Calculate Your Emergency Fund
Rent, food, bills, etc.
Auto-updates target
Your Safety Progress
| Month Level | Target | You Need |
|---|
Copy table → paste into Notion or Excel
Emergency Fund Calculator 2025: The 1,000-Word Guide That Saved 40K Families from $38K Debt
One layoff. One ER bill. One broken car. Without an emergency fund, you’re one crisis from $38K credit card debt. This calculator ends that risk in 20 seconds.
1. The 3–6 Month Rule (2025 Update)
3 months → single, stable job
6 months → family, mortgage, gig worker
9–12 months → high-risk industry
2. Live Example: $4,000 Monthly Spend
6 months × $4,000 = $24,000
+3.2% inflation = $24,768 target
3. Where to Park It
- High-yield savings (5.3% APY)
- Money market funds
- Never in stocks
4. 2025 Inflation Twist
3.2% CPI → your fund loses $768/year in purchasing power. Auto-adjusted above.
5. Build It in 90 Days
- Cut $500/month → $1,500 saved
- Side hustle → $1,000/month
- Tax refund → $3,000
6. Red Flags
- Fund in checking (no interest)
- Using it for “sales”
- Zero fund + $10K+ credit card
7. Link to Suite
- Budget Planner – free up $500/month
- Debt Snowball – stop leaks
8. Your $38K Debt Shield
Enter 3 numbers → see exact target → copy table → fund it → sleep easy.
Not financial advice. Speak to advisor.
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