Americans Without an Emergency Fund (2026)
59%
Percent of Americans without 3 months of expenses saved
Summary
Approximately 59% of US adults could not cover three months of expenses from savings in 2026. 27% have no emergency savings whatsoever. The shortfall is most acute among households earning under $50K, where 78% lack a 3-month buffer. Median emergency-fund-equivalent savings is just $2,500.
Breakdown
Source
Bankrate Emergency Savings Survey· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.