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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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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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