emergency-fund

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Original

English

🇨🇳

Translation

Chinese

Emergency Fund Calculator

应急基金计算器

Overview

概述

Calculates your emergency fund target based on 3-6 months of essential expenses, tracks your current savings progress, estimates how long it will take to reach your goal at your current savings rate, and suggests ways to accelerate funding.

根据 3-6 个月的基本支出计算应急基金目标，跟踪当前储蓄进度，估算按当前储蓄率达到目标所需的时间，并建议加快资金积累的方法。

Wilson Tools Used

Wilson 使用的工具

```
spending_summary
```
— calculate average monthly essential expenses to set the fund target
```
transaction_search
```
— find savings deposits and current savings activity

```
spending_summary
```
— 计算平均每月基本支出，以设定基金目标
```
transaction_search
```
— 查找储蓄存款和当前储蓄活动

Workflow

工作流程

Run
```
spending_summary
```
for the last 3 months to get average monthly spending by category.
Identify essential expense categories: Housing/Rent, Utilities, Groceries, Transportation, Insurance, Minimum Debt Payments, Healthcare. Sum these to get your monthly essential expenses.
Calculate emergency fund targets:
- Minimum (3 months): monthly essentials x 3
- Standard (4 months): monthly essentials x 4
- Comfortable (6 months): monthly essentials x 6

Run

transaction_search

with

query: "savings OR emergency fund OR transfer to savings"

and

months: 6

to find savings deposits.

Calculate your average monthly savings deposit amount from the results.
Ask the user for their current emergency fund balance.

Calculate months to reach each target:

(target - current balance) / average monthly savings deposit

Present a progress report:

Monthly Essential Expenses:  $X,XXX
Current Emergency Fund:      $X,XXX

Target        Amount     Gap        Months to Goal
─────────     ────────   ────────   ──────────────
3-month       $X,XXX     $X,XXX     X months
4-month       $X,XXX     $X,XXX     X months
6-month       $X,XXX     $X,XXX     X months

Progress: [████████░░░░░░░░░░░░] 42%

If the savings rate is low, suggest categories from the spending summary where cuts could accelerate the timeline.

针对最近 3 个月运行
```
spending_summary
```
，获取各分类的平均月度支出。
确定基本支出类别：住房/房租、水电费、食品杂货、交通、保险、最低债务还款、医疗保健。将这些支出相加，得到每月基本支出总额。
计算应急基金目标：
- 最低标准（3 个月）： 每月基本支出 x 3
- 标准水平（4 个月）： 每月基本支出 x 4
- 宽裕水平（6 个月）： 每月基本支出 x 6

运行

transaction_search

，参数设为

query: "savings OR emergency fund OR transfer to savings"

和

months: 6

，查找储蓄存款。

根据搜索结果计算平均每月储蓄存款金额。
询问用户当前的应急基金余额。

计算达到每个目标所需的月数：

(目标金额 - 当前余额) / 平均每月储蓄存款金额

。

展示进度报告：

Monthly Essential Expenses:  $X,XXX
Current Emergency Fund:      $X,XXX

Target        Amount     Gap        Months to Goal
─────────     ────────   ────────   ──────────────
3-month       $X,XXX     $X,XXX     X months
4-month       $X,XXX     $X,XXX     X months
6-month       $X,XXX     $X,XXX     X months

Progress: [████████░░░░░░░░░░░░] 42%

如果储蓄率较低，根据支出汇总建议可削减的支出类别，以加快实现目标的时间。

Without Wilson

不使用 Wilson

Export 3 months of bank transactions as CSV.
In a spreadsheet, categorize each transaction and filter to essential categories only: rent/mortgage, utilities (electric, gas, water, internet), groceries, transportation (gas, transit passes), insurance premiums, minimum loan payments, and healthcare.
Sum essential expenses for each month, then average:
```
=AVERAGE(B2:B4)
```
across 3 months.
Multiply the average by 3, 4, and 6 for your targets.
Check your savings account balance (log into your bank).
Calculate how much you saved last month: look at transfers from checking to savings, or compare beginning and ending savings balances on your statement.
Divide the gap (
```
target - current balance
```
) by your monthly savings amount.
To accelerate: review your spending summary for non-essential categories. Common cuts — dining out, subscriptions, shopping — can be redirected to savings.
Set up automatic transfers: most banks allow recurring transfers from checking to savings (Settings > Transfers > Recurring).

将最近 3 个月的银行交易导出为 CSV。
在电子表格中对每笔交易进行分类，并仅筛选基本支出类别：房租/按揭、水电费（电费、燃气费、水费、互联网）、食品杂货、交通（汽油、公共交通通票）、保险费、最低贷款还款和医疗保健。
汇总每月的各项基本支出，然后计算平均值：在 3 个月的支出范围内使用
```
=AVERAGE(B2:B4)
```
。
将平均值分别乘以 3、4 和 6，得到对应的基金目标。
查看储蓄账户余额（登录银行账户）。
计算上月储蓄金额：查找从支票账户转入储蓄账户的转账，或比较对账单上月初与月末的储蓄余额。
用所需金额除以每月储蓄金额，即
```
目标金额 - 当前余额
```
除以
```
每月储蓄金额
```
。
如需加快积累速度，请检查支出汇总中的非必要支出类别。可以将外出就餐、订阅服务和购物等常见削减项目转为储蓄。
设置自动转账：大多数银行都支持从支票账户向储蓄账户进行定期转账（Settings > Transfers > Recurring）。

Important Notes

重要说明

Essential expenses only — do not include dining out, entertainment, or shopping in your emergency fund calculation. You would cut those in an actual emergency.
If you are self-employed or have irregular income, target 6 months minimum.
Keep emergency funds in a high-yield savings account (currently 4-5% APY), not invested in stocks.
If you have high-interest debt (above 8% APR), consider a starter $1,000 emergency fund while focusing on debt payoff, then build to 3-6 months after.

仅计算基本支出——应急基金计算中不应包含外出就餐、娱乐或购物，因为这些支出在真正的紧急情况下通常可以削减。
如果你是自由职业者或收入不稳定，目标应至少为 6 个月的基本支出。
应急基金应存放在高收益储蓄账户中（目前为 4-5% APY），而不是投资于股票。
如果你有高息债务（APR 超过 8%），可以考虑先建立 $1,000 的应急基金并优先偿还债务，之后再将应急基金逐步积累到 3-6 个月的基本支出。