DIY Wealth Planning

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Cube Insurance Group · DIY Wealth Planning

Emergency Fund Blueprint

Enter your numbers below to get a personalized savings plan — your 3-month and 6-month targets, how long it will take to get there, and a month-by-month schedule.

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Emergency Fund Blueprint

DIY Wealth Planning · diywealthplanning.com

Generated November 4, 2026

Your numbers

After taxes — what actually hits your bank account

$

Rent/mortgage, food, utilities, insurance, minimum debt payments

$

Money you could access within a few days — not investments

$

How much you can realistically set aside each month toward this goal

$

Essential expenses only — Essential expenses only — use the number that covers rent/mortgage, food, utilities, insurance, and minimum debt payments. Not your full spending. This is what you'd need to survive a job loss or medical emergency.

What makes a good emergency fund?

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3–6 months of essential expenses

Not total spending — essential expenses only. Rent/mortgage, food, utilities, insurance, and minimum debt payments. This is the number that matters in a real emergency.

🏦

Liquid and accessible

Your emergency fund should be in cash or a high-yield savings account — not investments. You need to be able to access it within 1–2 business days without selling anything.

📍

Separate from your checking

Keeping it in a dedicated account — ideally at a different institution — reduces the temptation to use it for non-emergencies and makes the balance visible and intentional.

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Replenish after use

An emergency fund is a revolving resource. After you use it, rebuilding it becomes the top financial priority — before resuming investing or paying down extra debt.

Want a full picture?

See how your emergency fund fits into your full financial readiness score

The Cube Wealth Readiness Engine™ evaluates your full financial picture across 6 pillars — built on the same foundational framework financial professionals use to assess client readiness. Takes under 5 minutes.

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For educational purposes only. This tool provides general financial education and does not constitute personalized financial, investment, tax, or legal advice. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making financial decisions. DIY Wealth Planning provides self-directed financial education and tools — see our service disclosures for information about service providers and available support.