Emergency Fund

Stress-test cash reserves against essential burn and shocks

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When to use it

You want to stress-test a cash reserve against essential spending, income replacement, and a one-off shock.

Inputs

cash_reserve
essential_spending_monthly
income_replacement_monthly (optional)
shock_cost (optional)
target_buffer_months (optional)

Outputs and preview

Post-shock reserve
Monthly drawdown
Coverage months
Gap to target buffer

The result rail summarizes the primary conclusion. Open Preview for the complete theme-aware presentation and Playground controls. Simulation changes runtime overrides only; authored source stays untouched.

Worked example

Live calculation

Emergency Fund starter

Edit the starter here, or open it as a new local Continuum document for the full preview.

Editable source

Live results

1—
2—
3$18,000.00
4$2,500.00
5$500.00
6$3,000.00
76

A rich template preview is ready in the full workspace.

Interpret with care

Use essential rather than total discretionary spending.
A zero drawdown means coverage is effectively open-ended under the stated assumptions.