How to use it
Enter your bare-bones monthly expenses, drag the slider to the months of coverage that fit your situation, and add what you've already saved plus what you can put away each month. The tool shows your target, how much you still need, and roughly how many months of saving gets you there.
How to pick your months of coverage
| Your situation | Rough target |
|---|---|
| Two stable incomes, no dependents | 1–3 months |
| Single stable income, no dependents | 3–6 months |
| Single income with dependents | 6–9 months |
| Freelance, commission, or volatile industry | 9–12 months |
The math behind it
Target = monthly expenses × months of coverage. The gap is your target minus what you've saved, and the timeline is the gap divided by your monthly contribution. Simple on purpose — the judgment is in the two inputs: how low your expenses would really go, and how long it would take you to replace your income.
Frequently asked questions
Current spending or bare-bones? Bare-bones — the number you'd cut down to under pressure.
Where do I keep it? A high-yield savings account: liquid, safe, boring. Not the market.