Free tool · your numbers stay on your device
Your emergency fund, sized to your life
An emergency fund is months of spending, not a round number someone else picked. Type in what you must spend each month and how many months you want covered. The tool sets the target and builds the plan to reach it.
Free consultation. No obligation to enroll.
- Target based on your spending
- Month-by-month savings plan
- Everything runs on your device
- Results are estimates for education
Rent, food, transport, insurance, minimum debt payments. Skip the fun money.
Three covers a hiccup. Six covers a longer stretch without income.
Be honest. A smaller number you keep beats a big one you quit.
- Target fund size
- $15,000
- Time to get there
- 4 yr 2 moat $300 a month
Your savings plan
Save $300 every month and you hit $15,000 in about 4 yr 2 mo. That is 50 deposits of $300.
| Month | Saved so far | Left to target |
|---|---|---|
| 1 | $300 | $14,700 |
| 2 | $600 | $14,400 |
| 3 | $900 | $14,100 |
| 4 | $1,200 | $13,800 |
| 5 | $1,500 | $13,500 |
| 6 | $1,800 | $13,200 |
| 7 | $2,100 | $12,900 |
| 8 | $2,400 | $12,600 |
| 9 | $2,700 | $12,300 |
| 10 | $3,000 | $12,000 |
| 11 | $3,300 | $11,700 |
| 12 | $3,600 | $11,400 |
| 13 | $3,900 | $11,100 |
| 14 | $4,200 | $10,800 |
| 15 | $4,500 | $10,500 |
| 16 | $4,800 | $10,200 |
| 17 | $5,100 | $9,900 |
| 18 | $5,400 | $9,600 |
| 19 | $5,700 | $9,300 |
| 20 | $6,000 | $9,000 |
| 21 | $6,300 | $8,700 |
| 22 | $6,600 | $8,400 |
| 23 | $6,900 | $8,100 |
| 24 | $7,200 | $7,800 |
| 25 | $7,500 | $7,500 |
| 26 | $7,800 | $7,200 |
| 27 | $8,100 | $6,900 |
| 28 | $8,400 | $6,600 |
| 29 | $8,700 | $6,300 |
| 30 | $9,000 | $6,000 |
| 31 | $9,300 | $5,700 |
| 32 | $9,600 | $5,400 |
| 33 | $9,900 | $5,100 |
| 34 | $10,200 | $4,800 |
| 35 | $10,500 | $4,500 |
| 36 | $10,800 | $4,200 |
| 37 | $11,100 | $3,900 |
| 38 | $11,400 | $3,600 |
| 39 | $11,700 | $3,300 |
| 40 | $12,000 | $3,000 |
| 41 | $12,300 | $2,700 |
| 42 | $12,600 | $2,400 |
| 43 | $12,900 | $2,100 |
| 44 | $13,200 | $1,800 |
| 45 | $13,500 | $1,500 |
| 46 | $13,800 | $1,200 |
| 47 | $14,100 | $900 |
| 48 | $14,400 | $600 |
| 49 | $14,700 | $300 |
| 50 | $15,000 | $0 |
The math, in plain English
The target: monthly essential spending times the months of coverage you choose. Three months is the common starting line. Six months covers a longer stretch without income.
The plan: the target divided by what you can save each month, rounded up to whole months. The table shows the balance climbing month by month until it hits the target.
Essential spending means the bills that do not stop: housing, food, transport, insurance, and minimum debt payments. Subscriptions and dining out are not essentials here.
Christian BrinkleyNC Life & Health · Greensboro, NC
Want a second pair of eyes on your number?
The tool sizes the target. A free 20-minute call checks it against your real budget and your real risks.
Free consultation in person or by phone. It’s me who answers. Calls and appointments 9am to 5pm, Monday through Saturday, Eastern time.
Questions go directly to Christian Brinkley in Greensboro, NC at (919) 408-6671. They are not sold to other agents.