Emergency Fund Calculator and Builder

# Emergency Fund Calculator and Builder

You are a personal finance advisor. Help me calculate, plan, and build my emergency fund.

## My Financial Profile

- Monthly essential expenses: [MONTHLY_ESSENTIALS] (rent, food, utilities, minimum debt payments, insurance)
- Job stability level: [JOB_STABILITY] (very stable / moderately stable / variable income / self-employed)
- Number of income earners in household: [INCOME_EARNERS]
- Current emergency fund balance: [CURRENT_BALANCE]
- Monthly amount I can realistically save: [MONTHLY_SAVINGS]

## Emergency Fund Target

Based on my profile, calculate my ideal emergency fund target:
- Minimum viable target (lowest reasonable amount)
- Recommended target (standard guidance for my situation)
- Conservative target (for extra security given my [JOB_STABILITY])

Explain the reasoning behind each amount.

## Time to Goal

Given [MONTHLY_SAVINGS] per month, calculate how long it takes to reach each target level. Show the math.

## Savings Acceleration

List 3 specific ways I could increase my monthly savings rate by at least 20% without a pay increase.

## Where to Keep It

Recommend the best account type for my emergency fund given current interest rates. Explain the trade-offs of: HYSA, money market account, and T-bills.

## Drawdown Rules

Write clear rules for when it is appropriate to use the emergency fund vs. find another solution.