Calculator

Emergency Fund Calculator

Find your target cushion size, and how long it'll take to get there at your current savings rate.

Monthly essential expenses

Target months of coverage (commonly 3–6)

Current savings

Monthly contribution

Target fund size

$10,000.00

Still needed

$7,000.00

Months to target

How the math works

Target: $2,500.00 × 4 months = $10,000.00
Still needed: $10,000.00 − $3,000.00 = $7,000.00

At $400.00 a month, it'll take about 18 months to build the full cushion.