Emergency Fund & Cash Drag
Size your safety net and weigh the opportunity cost of holding cash.
Read the guide: The Emergency FundTarget Sizing
6 months
Lean (3)Cautious (12)
Target Liquidity
US$24,000
Currently funded: 20.8% · ~19 mo to go
Real Yield (APY − Inflation)
+1.50%
Cash outpaces inflation.
Annual Cash Drag
US$840
Opportunity cost vs a 8% market return on the target.
Accumulation & Moving Target
Your balance grows at the savings APY while the target rises with inflation.
- Actual Balance
- Inflation-Adjusted Target