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.