Job-Stability-Adjusted Emergency Fund Checker
Assesses whether your cash reserves are sufficient based on your actual monthly burn rate and specific job stability risks.
Answer these questions to see if your safety net matches your actual risk profile.
Include rent/mortgage, utilities, food, insurance, and minimum debt payments. Exclude discretionary spending.
This should be money you can access immediately without penalty (savings/checking accounts).
Select the category that best describes your employment environment.
This affects how quickly you might lose income.
Longer tenure generally indicates higher stability.
This includes a partner's stable income or significant passive income.
You have some coverage, but your fund does not fully account for your specific job stability risks.
What to fix (2)
Emergency fund covers at least 100% of the risk-adjusted target
CriticalFalling below 100% of the risk-adjusted target means you are vulnerable to immediate financial distress if job loss occurs.
Fix: Calculate your target: (Monthly Burn Rate) x (Base Months 3-6) x (Risk Multiplier). If you are below this, prioritize increasing your savings rate until you hit this exact dollar amount.
Presence of reliable secondary income
MinorA reliable secondary income source acts as a shock absorber, potentially allowing for a slightly smaller primary emergency fund.
Fix: If you lack secondary income, ensure your primary fund is robust enough to cover 100% of your burn rate without relying on external support.
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