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Emergency Fund Calculator for Displaced Workers

Generic advice says "save 3–6 months." That is not good enough after an AI layoff. This calculator gives you a target based on your actual industry, dependents, and job market reality.

Your Situation

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Rent/mortgage, food, utilities, insurance, minimum debt payments

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Checking + savings accounts; not retirement accounts

Each dependent adds 1 month to your recommended target

Be honest — this is for your planning, not for anyone else

Why the 3-Month Rule Does Not Work After a Layoff

The traditional "3–6 months" emergency fund guideline was designed for random job loss events — a single person losing a job in a healthy labor market with strong demand for their skills. AI-driven displacement breaks every one of those assumptions.

When entire job categories are automated simultaneously, the labor market for displaced workers becomes a buyer's market overnight. The average AI-displaced worker takes 8–14 months to find comparable employment — not 3. Workers who retrain for a new field face an additional 3–6 months of training before they are competitive.

This calculator uses the actual job-search data by industry and adjusts for your personal risk factors to give you a target that reflects your actual situation, not a demographic average.