Tools · Life
Emergency fund target
A buffer is months of must-pays set aside so one surprise does not take the sitting. Three months is a common example — not a rule.
This helper runs in your browser. Turn on JavaScript to set a buffer from months of must-pays.
How to read the target
Must-pays × months. You can pull the must-pay total from the budget tool if you already made that list. One month is still a buffer. We do not tell you where to keep the money, and we do not name a bank or a fund.
The handheld week is I want to simplify my money so I can practice.
When you are ready
A partial buffer still counts.
Budget / cash-flow · Debt payoff · Compound growth toy · Time reclaim