免费应急基金计算器
根据您的月度支出计算建议的应急基金储备金额，确保财务安全。
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Emergency Fund Target
$18,000
Monthly Essential Expenses$3,000
Emergency Fund Target vs Rent/Mortgage
公式
Emergency Fund Guideline
Emergency Fund = Monthly Essential Expenses × Months of Coverage
Most financial advisors recommend 3-6 months of essential expenses. Self-employed or single-income households should aim for 6-12 months.
计算示例
Typical household expenses with 6 months coverage.
- 01Monthly expenses = $1,500 + $200 + $500 + $300 + $200 + $300 = $3,000
- 02Emergency fund = $3,000 × 6 = $18,000
常见问题
Where should I keep my emergency fund?
A high-yield savings account is ideal — easily accessible but earning interest (currently 4-5% APY).
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