US 2028 Emergency Fund

2028 emergency fund: 3-6 months expenses. Tier 1: 1 month checking. Tier 2: 3 months HYSA 4-5% APY. Tier 3: 6 months I-Bonds + short Treasury.

Monthly expenses ($)

Income stability

Target

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Months

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Monthly target months	—
Tier 1 (checking)	—
Tier 2 (HYSA)	—
Tier 3 (I-Bonds)	—
Total 2028 emergency fund	—

Emergency fund 2028: 3-6 months expenses standard, 12 months for variable income/self-employed. Three-tier structure maximizes yield: Tier 1 (1 month checking, instant access), Tier 2 (3 months HYSA at 4-5% APY, 1-day access), Tier 3 (6+ months in I-Bonds + 4-week Treasury, locked but inflation-protected).

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Last updated May 2026. Sources: IRS.