Based on the assumptions you entered, you may be able to fund your desired emergency fund by adding a single lump sum of $2,423 or by saving $74 per month for the next 36 months.<table class='pure-table' role='grid'><tr><th colspan='2' class='section'>Emergency fund analysis</th></tr><tr><td>Total monthly living expenses</td><td>$3,500</td></tr><tr><td>x Number of months</td><td>6</td></tr><tr><td>= Emergency fund needed</td><td>$21,000</td></tr><tr><td>- Emergency fund (cash) available</td><td>$15,000</td></tr><tr><td>= Emergency fund shortfall/(surplus)</td><td>$6,000</td></tr><tr><th colspan='2' class='section'>Recommended savings</th></tr><tr><td>Lump sum needed to fund shortfall/(surplus)</td><td>$2,423</td></tr><tr><td>OR<br/> Monthly savings needed to fund shortfall/(surplus)</td><td>$74</td></tr><tr><td>Monthly cash available for savings</td><td>$6,500</td></tr><tr><th colspan='2' class='section'>Ratio analysis</th></tr><tr><td>Living expenses/earned income</td><td>35.0%</td></tr><tr><td>Recommended savings/earned income</td><td>0.7%</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); 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// --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Month</th><th scope="col">Beginning Balance</th><th scope="col">Contribution</th><th scope="col">Earnings</th><th scope="col">Ending Balance</th></tr><tr><td role="rowheader" scope="row">1</td><td>$15,000</td><td>$74</td><td>$78</td><td>$15,152</td></tr><tr><td role="rowheader" scope="row">2</td><td>15,152</td><td>74</td><td>79</td><td>15,305</td></tr><tr><td role="rowheader" scope="row">3</td><td>15,305</td><td>74</td><td>80</td><td>15,458</td></tr><tr><td role="rowheader" scope="row">4</td><td>15,458</td><td>74</td><td>81</td><td>15,613</td></tr><tr><td role="rowheader" scope="row">5</td><td>15,613</td><td>74</td><td>82</td><td>15,768</td></tr><tr><td role="rowheader" scope="row">6</td><td>15,768</td><td>74</td><td>82</td><td>15,924</td></tr><tr><td role="rowheader" scope="row">7</td><td>15,924</td><td>74</td><td>83</td><td>16,081</td></tr><tr><td role="rowheader" scope="row">8</td><td>16,081</td><td>74</td><td>84</td><td>16,238</td></tr><tr><td role="rowheader" scope="row">9</td><td>16,238</td><td>74</td><td>85</td><td>16,397</td></tr><tr><td role="rowheader" scope="row">10</td><td>16,397</td><td>74</td><td>86</td><td>16,556</td></tr><tr><td role="rowheader" scope="row">11</td><td>16,556</td><td>74</td><td>86</td><td>16,716</td></tr><tr><td role="rowheader" scope="row">12</td><td>16,716</td><td>74</td><td>87</td><td>16,877</td></tr><tr><td role="rowheader" scope="row">13</td><td>16,877</td><td>74</td><td>88</td><td>17,039</td></tr><tr><td role="rowheader" scope="row">14</td><td>17,039</td><td>74</td><td>89</td><td>17,201</td></tr><tr><td role="rowheader" scope="row">15</td><td>17,201</td><td>74</td><td>90</td><td>17,365</td></tr><tr><td role="rowheader" scope="row">16</td><td>17,365</td><td>74</td><td>91</td><td>17,529</td></tr><tr><td role="rowheader" scope="row">17</td><td>17,529</td><td>74</td><td>92</td><td>17,694</td></tr><tr><td role="rowheader" scope="row">18</td><td>17,694</td><td>74</td><td>92</td><td>17,860</td></tr><tr><td role="rowheader" scope="row">19</td><td>17,860</td><td>74</td><td>93</td><td>18,027</td></tr><tr><td role="rowheader" scope="row">20</td><td>18,027</td><td>74</td><td>94</td><td>18,195</td></tr><tr><td role="rowheader" scope="row">21</td><td>18,195</td><td>74</td><td>95</td><td>18,363</td></tr><tr><td role="rowheader" scope="row">22</td><td>18,363</td><td>74</td><td>96</td><td>18,533</td></tr><tr><td role="rowheader" scope="row">23</td><td>18,533</td><td>74</td><td>97</td><td>18,703</td></tr><tr><td role="rowheader" scope="row">24</td><td>18,703</td><td>74</td><td>98</td><td>18,874</td></tr><tr><td role="rowheader" scope="row">25</td><td>18,874</td><td>74</td><td>99</td><td>19,046</td></tr><tr><td role="rowheader" scope="row">26</td><td>19,046</td><td>74</td><td>99</td><td>19,219</td></tr><tr><td role="rowheader" scope="row">27</td><td>19,219</td><td>74</td><td>100</td><td>19,393</td></tr><tr><td role="rowheader" scope="row">28</td><td>19,393</td><td>74</td><td>101</td><td>19,568</td></tr><tr><td role="rowheader" scope="row">29</td><td>19,568</td><td>74</td><td>102</td><td>19,744</td></tr><tr><td role="rowheader" scope="row">30</td><td>19,744</td><td>74</td><td>103</td><td>19,921</td></tr><tr><td role="rowheader" scope="row">31</td><td>19,921</td><td>74</td><td>104</td><td>20,098</td></tr><tr><td role="rowheader" scope="row">32</td><td>20,098</td><td>74</td><td>105</td><td>20,277</td></tr><tr><td role="rowheader" scope="row">33</td><td>20,277</td><td>74</td><td>106</td><td>20,456</td></tr><tr><td role="rowheader" scope="row">34</td><td>20,456</td><td>74</td><td>107</td><td>20,636</td></tr><tr><td role="rowheader" scope="row">35</td><td>20,636</td><td>74</td><td>108</td><td>20,818</td></tr><tr><td role="rowheader" scope="row">36</td><td>20,818</td><td>74</td><td>109</td><td>21,000</td></tr></table>