Calculate how much you need, create your plan, and sleep better at night knowing you're prepared.
Using the 60/20/20 budgeting rule to determine your emergency fund needs
Enter your net income after taxes and deductions
Fixed Costs + Guilt-Free (80% of income)
Based on your monthly take-home pay
Minimum Safety Net
⭐ Recommended Target
Maximum Security
| Target | Amount Needed | Monthly Savings (12 months) | Monthly Savings (24 months) |
|---|---|---|---|
| 3 Months | $0 | $0 | $0 |
| 6 Months ⭐ | $0 | $0 | $0 |
| 12 Months | $0 | $0 | $0 |
Enter your monthly take-home pay above to calculate your personalized emergency fund targets
Smart strategies to reach your savings goal faster
Begin with $1,000 as a mini emergency fund, then gradually build to your full goal.
Set up automatic transfers to make saving effortless and consistent.
Direct tax refunds, bonuses, and other unexpected money toward your emergency fund.
Keep your fund in a high-yield savings account for easy access with better returns.
Temporarily reduce non-essential spending to accelerate your emergency fund growth.
Keep your emergency fund in a separate account to avoid temptation to spend it.
Broader Pro shows you exactly where your money will take you
"Will I have enough to retire by 65?" Stop the sleepless nights. Your entire financial future, crystal clear in one view—wedding fund, retirement, emergency savings all mapped out clearly.
"Can I afford this $800 Tesla payment?" End the financial anxiety. Play out every scenario before you commit—that dream job, new car, or cross-country move won't derail your goals.
"Am I ruining my future with this $200 dinner?" Kill the spending shame. Know your exact "yes" number each month—spend freely within your safe zone.
"Will I ever afford that Europe trip?" Stop hoping, start planning. Watch abstract goals become calendar dates—Europe 2026, mortgage-free 2029, early retirement 2045.
The difference is clear
❌ Traditional Apps: Where did my money go?
✅ Broader: Where will my money take me?