Emergency Funds and Short-Term Savings — worksheet
Before you start: where your answers live
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Estimates and blanks are fine. The aim is a plan you’ll actually start, not a perfect one.
Emergency Fund Plan
| Field | My answer |
|---|---|
| Starter target | |
| Where it will live (account + institution) | |
| Is that institution FDIC- or NCUA-insured? (verified, not assumed) | |
| Automatic transfer (amount + how often) | |
| Goal date |
Sinking Fund Planner
For each known irregular expense, divide the total by the number of months until it’s due to find the monthly set-aside.
| Sinking fund | Target amount | Date needed | Monthly save |
|---|---|---|---|
Everything you type saves automatically on this device — no account, nothing sent to a server. Clearing site data or switching browser/device erases it.