Emergency Fund Calculator
Set an emergency fund target from your essential monthly expenses and see how long it takes to reach it with regular saving and interest.
Free · runs in your browser · Checked 30 September 2026Emergency fund
Move the sliders or type your own numbers. Results are estimates that assume a constant rate and are not guaranteed.
🧠 How this is calculated
Target = essential monthly expenses × months. The time to reach it comes from growing your balance monthly at the APY while adding your monthly savings.
Calculations run in your browser; nothing you enter is sent to us. Results are estimates that depend on the assumptions shown.
❓ FAQs
How big should an emergency fund be?
Any savings help. The CFPB suggests starting with at least a month of income; three to six months of essential expenses is a common goal.
Is this financial advice?
No. The calculator shows what happens under the numbers you enter. Rates, limits and tax rules change; confirm with the provider or a licensed professional.
Results are illustrations, not offers or advice. Investments can lose value; bank deposits are FDIC-insured up to $250,000 per depositor, per insured bank, per ownership category.