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Anyone earning · Cash

Cash's foundation

Emergency Fund Builder

Find your real 3-month buffer target. See how long it takes at your current pace. Save it. Move on with calm.

Cash the Builder — raccoon in overalls with a hammer

“The emergency fund isn't for emergencies. It's for sleep. With it, a broken phone or surprise bill is annoying — without it, it's a crisis.” — Cash

— Cash

📓

Where you stand

Day one

The hardest step is the first euro. You're past that. Now make it automatic.

Toward 3-month buffer€500 / €4710 · 11%

~29 months away at €150/mo

Toward 6-month buffer (optional)€500 / €9420 · 5%

~60 months away at €150/mo

24-month projection

3-month target6-month target

🏠 Your fixed monthly costs

What you MUST pay every month no matter what. Don't include fun money or savings.

phone, internet, transport, minimum debt payments

Your fixed monthly = your 1-month buffer€1570

🪙 Where you are + your pace

Cash the Builder — raccoon in overalls with a hammer

Cash's 5 rules for the buffer

  1. 1. Aim for 3 months first. Then 6 if your income is variable.
  2. 2. Separate account. Out of sight = out of mind = doesn't get spent.
  3. 3. Easy access. Savings account, not investments. Markets crash exactly when emergencies happen.
  4. 4. Real emergencies only. Phone broken = yes. Sale at Nike = no.
  5. 5. Refill before investing. Used some for a real emergency? Refill before resuming monthly investing.
💼 Check your salary fit →🦉 Am I ready to invest?

⚠️ Educational only · Your numbers saved on this device · Real interest rates vary by bank