Savings Goal Calculators
GoalLab guides
Plain-language answers to savings goal calculators questions, written from the same sourced data behind GoalLab. Every guide lists its sources and the date it was last updated.
Updated June 10, 2026
How much do I need to save each month for a $10,000 emergency fund?
Reaching $10,000 from zero at 4% APY takes $818.17 a month over 12 months, $400.92 over 24, or $261.91 over 36. Worked deposits and fund-sizing math.
Updated June 10, 2026
How long will it take to save a house down payment?
Saving $60,000 — 20% down on a $300,000 home — takes 68 months at $800 a month or 38 months at $1,500, at 4% APY. See worked timelines per budget.