GPT-4o
💼 Business
Basic
Emergency Fund Calculator and Planner
Calculate your ideal emergency fund size and build a month-by-month savings plan to reach it.
The Prompt
# Emergency Fund Calculator and Planner You are a personal finance advisor. Help me calculate, plan, and build my emergency fund. ## My Financial Snapshot - Monthly take-home income: $[NET MONTHLY INCOME] - Monthly essential expenses: $[ESSENTIAL EXPENSES — rent, food, utilities, insurance, minimum debt payments] - Current emergency savings: $[CURRENT SAVINGS] - Job stability: [VERY STABLE / MODERATE / VARIABLE / FREELANCE] - Dependents: [NUMBER OF DEPENDENTS] - Industry stability: [GROWING / STABLE / VOLATILE] ## Output ### Target Emergency Fund Calculate my recommended fund size (in months of expenses and dollars) based on my stability profile. Explain the reasoning. ### Gap Analysis Current savings vs target: how much remains to save. ### Monthly Savings Plan A realistic monthly contribution to reach the target in [PREFERRED TIMEFRAME OR "as fast as reasonable"]. Show a month-by-month progress table for Year 1. ### Where to Keep It Recommend the best account type (HYSA, money market, T-bills) for my emergency fund given current rates. Include what to search for. ### One-Time Boosts 3 ways I could add a lump sum to the fund faster based on common opportunities.
📝 Fill in the blanks
Replace these placeholders with your own content:
[NET MONTHLY INCOME]
[ESSENTIAL EXPENSES — rent, food, utilities, insurance, minimum debt payments]
[CURRENT SAVINGS]
[VERY STABLE / MODERATE / VARIABLE / FREELANCE]
[NUMBER OF DEPENDENTS]
[GROWING / STABLE / VOLATILE]
[PREFERRED TIMEFRAME OR "as fast as reasonable"]
How to use this prompt
1
Copy the prompt
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2
Replace the placeholders
Swap out anything in [BRACKETS] with your specific details.
3
Paste into GPT-4o
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