Emergency Fund Calculator
How big should your emergency fund be?
Enter your essential monthly expenses to get your exact savings target — and see how long it'll take to get there.
Monthly Essential Expenses
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Monthly Essentials$2,900
Your Plan
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Best HYSAs paying 4–5% APY (April 2026)
Emergency Fund Target
$17,400
6 months × $2,900/mo
Current progress6%
$1,000 saved$17,400 goal
Still needed$16,400
At $300/mo55 months
Goal reached byDecember 2030
Annual HYSA interest earned+$45.00
Milestones
$1,000✓ Reached
$1,500~2 mo away
$2,900~7 mo away
$17,400~55 mo away