LockHabit

Emergency Fund Calculator

Set a target (3–12 months of essential expenses), add buffers (deductibles, one-time costs), include APY & compounding, and get a monthly save plan. We’ll import your net income if available to suggest a starting contribution.

Basic plan

Rent/mortgage, utilities, food, transport, insurance, minimum debt.
Use “Recommend months” below if unsure.
Prefill: ~10% of net from Income tool if present.
Target fund
Amount remaining
Estimated months to goal
Suggested monthly to hit goal
Inputs auto-save to this device.
APY, compounding & buffers ▾
High-yield savings or treasury bills, optional.
Add the highest medical/auto/home deductible you might face.
Risk profile (suggested months) ▾
Rule of thumb: start at 3 months, then +1 for each risk flag above (cap 12). Click “Recommend months.”
Progress & projection ▾
Funded
Projected in 12 mo
Progress to goal

Month-by-month (first 18 months)

MonthStartContributionInterestEnd