3-Month Emergency Fund on $3,000 Monthly Expenses

With $3,000 in monthly expenses, a 3-month emergency fund target is $9,000.

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How to use this tool

Enter essential monthly expenses, months of coverage and current emergency savings in the fields above.
Results update instantly as you type — or click Calculate.
Read your emergency fund target and the full breakdown beneath it.

Calculate the 3-month emergency fund you need when your essential monthly expenses total $3,000.

Frequently asked questions

What counts as an essential monthly expense?: Include rent/mortgage, utilities, groceries, minimum debt payments, insurance, and transportation. Exclude discretionary spending like dining out, streaming services, and entertainment.
Where should I keep my emergency fund?: In a high-yield savings account or money market account — liquid, FDIC-insured, and separate from your checking account to avoid temptation to spend it.