Emergency Fund Drawdown Simulator
Enter your current savings, monthly expenses, any reduced income during the gap, and expected fund growth to see a month-by-month projection of your runway.
About this calculator
Simulate how long your emergency fund will last month by month, accounting for reduced income, ongoing expenses, and any partial income during a job loss or income gap.
Frequently Asked Questions
Why does the simulation account for expense growth?
Costs like groceries, insurance, and utilities tend to rise over time, so modeling gradual expense inflation gives a more realistic runway estimate.
What if my partial income exceeds my expenses?
If your partial income covers all expenses and your fund still earns interest, the simulator will cap the projection since the fund would never deplete.
Should I include rent or mortgage in monthly expenses?
Yes, include all essential recurring costs you'd need to keep paying during a job loss or income gap, such as housing, utilities, insurance, food, and minimum debt payments.