Tool 3 · Digital
Emergency Fund Tracker
Make saving visible. Make it encouraging.
“Three to six months of expenses” stops most people before they start. So we do not start there. You move one milestone at a time, and each one counts.
You will never be asked for an account number or a bank balance. What you enter stays on your device.
Next: My first $100
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My First Safety Goal
You do not start with three to six months of expenses. You start with the next milestone.
This stays on your device. No account numbers and no bank balances are ever collected.
- Next
Milestone 1
My first $100
The hardest milestone is the first one. This is where the habit is born.
Milestone 2
My first $500
This is the amount that absorbs a lot of ordinary surprises.
Milestone 3
My first $1,000
A real cushion between you and a bad week.
Milestone 4
One month of essential expenses
Housing, food, utilities, transportation, and minimum obligations for one month.
Milestone 5
My longer-term safety goal
Your own number — many people work toward three to six months over time.
Emergency Check
Before withdrawing, answer three questions honestly.
Is this unexpected?
Is it necessary?
Is it urgent?