Emergency Fund Calculator

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

Your details

Monthly expenses$Months of coverage6

112

Current savings$Monthly saving$

Target fund

$18,000.00

Still needed: $13,000.00
Time to reach: 2 yrs 2 mos

Saved vs still needed

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

•CFPB — emergency savings — CFPB

Last updated: 2026-07-19

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