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Emergency Fund Calculator

How funded are you? See exactly how long until you hit 3 and 6 months of coverage — and how a HYSA accelerates it.

// Monthly essential expenses

Only include true necessities — what you'd pay even if you lost your job tomorrow.

🏠
$
💡
$
🛒
$
🚇
$
🛡️
$
📱
$
📦
$
Monthly total$3,030
// Your savings situation
$
$0$2,000/mo
// Target months
Your 3-month target
$9,090
You have $500 · $8,590 to go
Just starting6% funded
Time to reach goal
3 months fund
$9,090
2yr 4mo
6 months fund
$18,180
4yr 6mo
// HYSA vs. big bank

Interest earned on $500 over 12 months

Big bank savings (0.5%)+$3/yr
Online HYSA (4.5%)+$23/yr
Top HYSA today (5.0%)+$25/yr
💡 A HYSA earns you ~$20 more per year than a big bank account on the same balance. Zero extra effort.
// What this fund is for
✅Job loss — covers rent and food while you search
✅Medical emergency — deductibles, copays, time off
✅Car breakdown or major repair
✅Appliance failure — AC, fridge, laptop
❌Vacation you "forgot to save for"
❌Concert tickets or a sale you found
❌Anything you could have predicted and saved for
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This tool provides general estimates for educational purposes only and is not financial, investment, or tax advice. Your actual numbers will vary — talk to a licensed financial advisor or tax professional before making decisions.