Freelance Emergency Fund Calculator

An emergency fund matters more for freelancers than for salaried employees, since there’s no employer safety net if a client disappears or work dries up for a few months. Most advice says 3–6 months of expenses; freelancers with unpredictable income often aim for the higher end of that, or beyond.

This is separate from retirement savings — it's meant to be accessible cash, not invested for growth. Once it's fully funded, redirect that monthly amount toward longer-term goals like the ones in the retirement savings calculator.