Emergency fund & savings calculator
No account, email or phone. Planning estimates, not quotes or personalized advice.
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Adjust the contribution or the deadline
Estimates update as you change the numbers. Review the assumptions below.
See the breakdown
- Current cushion in months of essentials
- 1.7 months
- Remaining amount today
- $23,000
- Balance at deadline
- $17,651
- Surplus / shortfall at deadline
- -$10,349
Your plan over time
View exact values
| Period | Projected savings | Goal |
|---|---|---|
| Now | $5,000 | $28,000 |
| Month 2 | $6,026 | $28,000 |
| Month 4 | $7,057 | $28,000 |
| Month 6 | $8,093 | $28,000 |
| Month 8 | $9,134 | $28,000 |
| Month 10 | $10,181 | $28,000 |
| Month 12 | $11,232 | $28,000 |
| Month 14 | $12,289 | $28,000 |
| Month 16 | $13,351 | $28,000 |
| Month 18 | $14,418 | $28,000 |
| Month 20 | $15,490 | $28,000 |
| Month 22 | $16,568 | $28,000 |
| Month 24 | $17,651 | $28,000 |
How to read this estimate
Your purchase goal is added to your emergency fund so the same dollars are not spent twice. Choose the cushion based on your income stability and obligations; the default is only an example.
APY is an assumed effective annual yield with monthly compounding; contributions arrive at month-end. Taxes, withdrawals, inflation and changing yields are excluded.
Time to goal is capped at 50 years. Use cash you can access for emergencies; investment returns are not guaranteed.