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emergency-fund

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Size an emergency fund from essential spend and real risk factors — not a one-size 'six months' — with the funding timeline and where the money should sit. Use when asked how big should my emergency fund be, do I have enough saved, emergency fund or invest, or how many months of expenses do I need. Produces the risk-adjusted target from the script, the essential-spend worksheet, the funding plan, and the what-counts-as-an-emergency rules.

plugins/pm-calculators/skills/emergency-fund/SKILL.md

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Nov 10, 2026
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MIT

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# Emergency Fund Skill

"Six months of expenses" is a slogan wearing a decimal — the real number depends on which expenses (essential, not total) and which risks (one income or two, steady or variable, how fast the job replaces itself). This skill computes the target from those inputs, builds the funding timeline, and writes the two rule-sets that make a fund work in practice: what counts as an emergency, and when to stop adding to the fund and start investing the surplus.

## What This Skill Produces

- **The risk-adjusted target** — base 3 months of *essentials*, plus priced risk adders, from the script
- **The essential-spend worksheet** — the emergency budget, which is smaller than the current budget on purpose
- **The funding plan** — gap, monthly rate, completion date, and what pauses (not stops) contributions
- **The two rule-sets** — is-this-an-emergency, and the fund-is-full-now-what line

## Required Inputs

Ask for these if not provided:
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