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.
“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
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Where you stand
Day one
The hardest step is the first euro. You're past that. Now make it automatic.
~29 months away at €150/mo
~60 months away at €150/mo
24-month projection
🏠 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
🪙 Where you are + your pace
Cash's 5 rules for the buffer
- 1. Aim for 3 months first. Then 6 if your income is variable.
- 2. Separate account. Out of sight = out of mind = doesn't get spent.
- 3. Easy access. Savings account, not investments. Markets crash exactly when emergencies happen.
- 4. Real emergencies only. Phone broken = yes. Sale at Nike = no.
- 5. Refill before investing. Used some for a real emergency? Refill before resuming monthly investing.
⚠️ Educational only · Your numbers saved on this device · Real interest rates vary by bank