Emergency Fund Calculator Spreadsheet Now Available

Due to the interest I have received from my recent post describing a formula to calculate how much you need in your emergency fund, I have created an Excel spreadsheet that can run the formula for you.

Download the free spreadsheet in Excel format here

You can also use the calculator on Google Spreadsheets.

Access on Google Spreadsheets

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About David Weliver

David Weliver is the founding editor of Money Under 30. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults. He lives in Maine with his wife and two children.


  1. Peter Owitz says:

    Your calculator is an interesting tool, but fails to reflect the dual income world we live in today. If both my wife and I can easily accommodate our lifestyle on our individual incomes, the amount I need to have saved for an emergency is much less than as the head of household. furthermore, I _really_ like your income volatility indicator, but we’ve diversified our industries so there is no statistical correlation (psychology and aerospace – you do the math) to increase our emergency fund. I’m not sure people are getting the full story, and they’re likely to think they’re safer than they really are (like I do!).

    Thanks for the information,


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