Calculadora de Fondo de Emergencia
Key Financial Terms
Understand the essential concepts behind this calculator
Automated Savings
Setting up automatic transfers so saving happens without willpower.
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Emergency Fund
Savings buffer of 3-6 months of expenses for unexpected costs and financial security.
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Emergency Fund
Savings buffer of 3-6 months of expenses for unexpected costs, including pet emergencies and medical crises.
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Liquid Assets
Assets that can be quickly converted to cash without losing value—like savings accounts, stocks, and money market funds.
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Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Fondo de Emergencia
Depende de la estabilidad de tus ingresos y situación. Si tienes un ingreso dual estable, excelente seguridad laboral y buen seguro, 3 meses de gastos esenciales pueden ser suficientes. Si tú
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Sources & References
Recommended Savings: 3-6 Months of Expenses
Financial experts recommend saving 3-6 months of essential expenses as an emergency fund. Those with variable income or single-income households should aim for 6-12 months.
Emergency Savings Statistics
A 2024 Federal Reserve survey found that 37% of Americans would struggle to cover a $400 emergency expense with cash, using credit cards or unable to pay.
Americans Struggle with Emergency Savings
According to Federal Reserve data, 40% of Americans would struggle to cover a $400 emergency expense using cash or savings.
Recommended Emergency Fund Size
Financial planners typically recommend 3-6 months of expenses for stable income, 6-12 months for variable income, with funds in liquid, FDIC-insured accounts.
Job Loss Duration
The median time to find new employment ranges from 8-20 weeks, varying by industry, location, and economic conditions.
High-Yield Savings Accounts
As of 2024-2025, high-yield savings accounts (HYSA) offer approximately 4.0-4.5% APY, significantly higher than traditional savings accounts (~0.01-0.5%).
Tip
Keep emergency funds in liquid, FDIC-insured savings accounts for easy access. Don't invest emergency funds in stocks or bonds.
⚠️ Tip