Emergency Savings Calculator

How much do I need for emergencies?

It’s smart planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, or short-term disability. Use this calculator [[#1]] to help determine how much you need to set aside monthly or as a lump sum to create an emergency fund.

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Emergency Fund Need


Emergency Fund Shortfall/(Surplus)


Lump Sum Needed to Fund Shortfall/(Surplus)


Monthly Savings Needed to Fund Shortfall



    1. All calculators and tools are supplied as a courtesy only. FHB is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. The output and results should not be construed as financial, legal or tax advice, and the calculators and tools are not intended to replace the advice of qualified professionals. You should not rely on the calculators and tools as your only source of information. You should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.