Emergency Fund Calculator

1099 contractors need 5–9 months of expenses. W-2 employees need 3–6. Business owners need 7–12. Enter your situation and see your target, gap, and funded date.

Where this fits

💸 Budgeting & Cash Flow Going 1099 Cash Flow Freelancers Households

This tool lives inside Going 1099 + Cash Flow and is most useful for freelancers and households.

401(k) Limit 2024$23,000(+$7,500 catch-up 50+)

Roth IRA Limit$7,000(MAGI phase-out applies)

S&P 500 Avg Return~10%/yr(nominal, historical)

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