Emergency fund calculator
Set a cushion for essential expenses, record changes to your savings, and watch your progress over time.
Keep your plan
My saved toolsSave to your free account to keep this plan across devices. Sharing is optional and view only.
Your emergency fund
$1,000.00 of $7,500.00
$6,500.00 to go · 0.4 months of essentials covered
About 26 months to goal at your planned monthly savings.
Savings history
Projections assume the same monthly contribution, no interest, and no future withdrawals. The starting balance plus recorded changes determines your tracked balance. This tool does not connect to or transfer money from a bank.
How much should my goal be?
Your goal is your monthly essential spending multiplied by the number of months you choose. Adjust that number to your circumstances; the default is an editable planning example, not a recommendation for everyone.
Include expenses you would still need to pay during an income interruption, such as housing, food, utilities, insurance, and required debt payments. The tool estimates how long your planned monthly contributions would take to close the gap.
A plan you can keep using
Enter your current savings as the starting balance, then record additions or money used. Save to your free account to retain the history across devices. You can share a live view-only link with a partner and turn sharing off later.
Read the CFPB’s guide to emergency funds, or try a savings challenge for a smaller starting goal.