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Emergency Savings Calculator

Enter your essentials and savings

Essential monthly expenses

Only what you would still have to pay if your income stopped. Leave a line at 0 if it does not apply.

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Total each month–
months

Three to six months is a common target. Aim higher if your income is irregular or your household relies on one earner.

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More options
%

Use 0 to ignore interest.

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For example your health and car insurance deductibles or a major repair.

Your results

Emergency fund target

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Still to save

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Time to reach it

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Months covered today

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Progress toward the target
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Monthly saving to finish in 12 months
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Interest earned along the way
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Milestones on the way

When your fund will cover each step, at your monthly saving. Dates count from this month.

MilestoneAmountReached inDate

Results are estimates for educational purposes and are not financial, tax or legal advice.

Set an emergency fund target from your essential monthly expenses and see how long it will take to build it at your current saving rate. If you want to see how the figures change, the savings calculator online gives you an instant result you can adjust as you go.