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Home Emergency Fund Calculator

Calculate exactly how much you need in your emergency fund based on your home's specific characteristics and location.

Your Home Details

$

Your Emergency Fund Target

Recommended Fund
$4,000
1.0% of home value
Base Amount (1%)$4,000

Savings Plan

To save in 1 year:$333/month
To save in 2 years:$167/month

Common Emergencies Covered

  • • HVAC failure: $5,000-$8,000
  • • Roof repairs: $2,000-$5,000
  • • Plumbing emergency: $1,000-$4,000
  • • Electrical repairs: $2,000-$4,000

Start Building Your Fund Today

Based on your home's characteristics, you should aim for an emergency fund of $4,000. This will protect you from unexpected repairs and give you peace of mind.

Quick Start Tips

  • Start with $1,000 for immediate protection
  • Automate savings of $333 monthly
  • Keep funds in high-yield savings (4-5% APY)
  • Review and adjust annually

Learn More

Read our comprehensive guide on building and managing your home emergency fund.

Read the Full Guide