Determine the right emergency fund target based on your monthly essential expenses. Set a 3-12 month coverage goal, track your current savings progress, and calculate how long it will take to reach your target at your current savings rate. Updated with 2026 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,150 | $0 – $24,300 |
| 12% | $12,151 – $49,475 | $24,301 – $98,950 |
| 22% | $49,476 – $105,525 | $98,951 – $211,050 |
| 24% | $105,526 – $201,350 | $211,051 – $402,700 |
| 32% | $201,351 – $255,925 | $402,701 – $511,850 |
| 35% | $255,926 – $640,500 | $511,851 – $768,600 |
| 37% | Over $640,500 | Over $768,600 |
This emergency fund calculator uses the latest 2026 federal tax brackets, standard deduction of $15,350 (single) / $30,700 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2026 is $183,300, and the 401(k) contribution limit is $24,000.
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Total monthly essentials: $3,600
Target (6 mo.)
$21,600
Currently Saved
$0
Gap to Fill
$21,600
Months Covered
0.0