An emergency cushion can help cover essential expenses if your income changes or an unexpected cost comes up. This calculator helps you estimate how long it might take to save the equivalent of three, six, nine or 12 months of expenses, based on your income, spending, and how much you’re able to set aside each month.
It uses the same expense categories as Build a Budget That Works, so you can reuse numbers you already know. The results are estimates meant to support planning and understanding — not to tell you what to do.