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Emergency Fund Calculator

Work out how big your emergency fund should be and how long it will take to get there.

Your details

Target fund
$18,000.00
Still needed
$13,000.00
Time to reach
2 yrs 2 mos

Saved vs still needed

$18.0KTotal
Saved
$5,000.0028%
Still needed
$13,000.0072%
Target fund$18,000.00

Formula

Target = monthly expenses × months of coverage. Time to reach = remaining amount ÷ monthly saving.

Sources & methodology

Last updated: 2026-07-19

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Learn more

Building an Emergency FundWhy you need an emergency fund, how many months to save, where to keep it, and how to build it step by step.
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