Emergency Fund Calculator

How Much Emergency Fund Do I Need?

Enter what you must spend each month and how much you can save. See your 3, 6 and 9-month targets and how long it takes to reach each one.

Your monthly must-pay expenses
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$
$
$
$
$
Your savings
$
$
%
What your savings earn in a year, for example in a high-yield savings account (HYSA). Rates change, so enter your own account's rate. Use 0 for no interest.