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Your emergency fund target

Total$19,200
Still to save
$17,200
Time to reach it
3 yr 4 mo
Interest earned on the way
$1,200
One month of cover
$3,200
Your emergency fund target
$19,200

Keep the fund in cash you can reach in a day. Its job is availability, not return.

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Sources and methodology

Federal brackets, standard deductions and FICA thresholds come from the IRS and the Social Security Administration for the 2026 tax year. State income tax rates, brackets, standard deductions and personal exemptions come from the Tax Foundation’s 2026 state individual income tax data. Property tax figures use average effective county rates. Results are educational estimates and exclude local taxes, credits and post-tax deductions.