How to Build a 3-Month Emergency Fund on a $50K Salary
Word count: 818
69% of Americans can’t cover a $1,000 emergency (2025 survey). A 3-month fund = $9,375 on $50K salary. Here’s the 12-month roadmap.
Step 1: Calculate Your Number
Monthly expenses: $3,125 → 3 months = $9,375
Step 2: Best Accounts (4.5%+ APY)
- Ally Online Savings — 4.20%
- Capital One 360 — 4.25%
- SoFi Checking — 4.60% (direct deposit)
12-Month Plan
| Month | Save | Total |
|---|---|---|
| 1–3 | $500 | $1,500 |
| 4–6 | $750 | $3,750 |
| 7–12 | $1,000 | $9,375 |
Related: Side Hustles — accelerate with $500/mo extra.