Shape your safety net

Include only expenses you would continue paying during an emergency.

01Monthly essentials

Core obligations and baseline living costs—not dining, shopping, or optional extras.

Housing

Utilities and internet

Groceries

Transportation

Insurance premiums

Healthcare

Minimum debt payments

Childcare

Other essentials

Total monthly essentials$0

02Household risk

These factors adjust the number of months suggested for your reserve.

Job stability

Income volatilitySteady income

Dependents

Single-income household

Self-employed or 1099

Additional monthly medical cushion

Base coverage months

6 mo

Base coverage6 mo

Risk add-on+0 mo

Recommended6 mo

03One-time buffers

Deductibles and known costs that may arrive alongside an emergency.

Home or renters deductible

Auto deductible

Health deductible

Upcoming one-time expense

Other buffer

Total one-time buffers$0

04Savings plan

Current emergency savings

Monthly contribution

Savings APYAnnual percentage yield estimate

Monthly projection

The first 48 months are displayed. The CSV export includes the complete projection through the target.

Month	Projected balance	Total contributions	Monthly interest	Total interest