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Emergency Fund Builder

Type in the blue cells. Set anything that does not apply to 0.

A BARE-BONES MONTH
WHAT YOU HAVE TODAY
WHAT YOU CAN ADD

WHERE YOU STAND

One bare-bones month costs—
Money you could reach today—
MONTHS OF RUNWAY—
That is roughly this many days—

THE 3-MONTH MARK

You need this much for 3 months—
Still short by—
Percent of the way there—
Months of saving still to go—
You get there around—

THE 6-MONTH MARK

You need this much for 6 months—
Still short by—
Percent of the way there—
Months of saving still to go—
You get there around—

YOUR OWN TARGET

Your target in dollars—
Still short by—
Months of saving still to go—
You get there around—

IF YOU WANT IT SOONER

Monthly amount to hit 3 months within a year—
Same thing, per week—
Monthly amount to hit 6 months within two years—
Each extra $100 a month buys you this many days sooner—

Savings Log

One row per month. Balance at month end, what went in, what came out.

MonthFund balanceAddedTaken outBare-bones monthMonths of runwayWhat happened
1—
2—
3—
4—
5—
6—
7—
8—
9—
10—
11—
12—
13—
14—
15—

Where that leaves you

—

Want it as a spreadsheet you own?

The full workbook adds the tabs this page cannot: a monthly log, a dashboard with charts, and your own copy that works offline in Google Sheets or Excel. One purchase, no subscription.

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Emergency Fund Builder: the full workbook

Same formulas as this calculator, plus the tabs, the charts and a 12-month history that this page cannot hold. Google Sheets and Excel. One purchase, no subscription.

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Last updated: October 2026

Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.

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