应急基金计算器
计算应急储蓄需求
$
$
$
公式
Target = Monthly Expenses × Months of Coverage
Financial experts recommend 3-6 months of expenses in an easily accessible savings account.
示例
$4k expenses, 6 months
Need
常见问题
关于 应急基金计算器
Calculate how much you need in emergency savings and track your progress toward that goal. Financial experts recommend keeping 3-6 months of essential expenses in a high-yield savings account for unexpected events like job loss, medical emergencies, or major home repairs. Start with a starter fund of
,000, then build toward your full target. Keep emergency funds in a high-yield savings account—separate from your checking account to reduce temptation, but still accessible within 1-2 business days. As of 2024, high-yield savings accounts offer 4-5% APY, so your emergency fund can earn meaningful interest while staying liquid. Essential expenses to include: housing, utilities, food, transportation, insurance, minimum debt payments, and healthcare. You can exclude discretionary spending like dining out and entertainment. Revisit your emergency fund target annually or after major life changes like a move, new job, marriage, or having children.