---
title: How much do I need for an emergency fund calculator
description: This free emergency fund calculator will help you figure out how much you need in your emergency fund and helps you create a plan to save.
---

[![Home](https://info.ubt.com/hubfs/raw_assets/public/UBT_March2021/images/header-logo.svg "Home")](https://www.ubt.com/)

###### Free Download

# Emergency Fund Calculator

Everyone needs an emergency fund to be ready for the unexpected. But how much do you need for an emergency fund? You’ve probably heard different numbers, and while there is no one-size-fits-all target, this spreadsheet can help you choose a specific goal (like covering the basics), calculate how much money you should save, and make a plan to get there.

![2-column-emergency-fund-blog-may-2021](https://info.ubt.com/hubfs/2-column-emergency-fund-blog-may-2021.png "2-column-emergency-fund-blog-may-2021")

### Use this calculator to:

- Determine your emergency fund objectives
- Calculate your monthly expenses
- Make a plan to save the amount you’ll need

Looking for more information about building your safety net? Check out our [Emergency Funds resource center](https://www.ubt.com/goals/emergency-funds).

![2-column-emergency-iStock-1025426254](https://info.ubt.com/hubfs/2-column-emergency-iStock-1025426254.jpg "2-column-emergency-iStock-1025426254")

[© 2026 Union Bank & Trust Company. All Rights Reserved](https://www.ubt.com/). [Member FDIC](https://www.ubt.com/) | [Privacy](https://www.ubt.com/privacy)