$9,600 CUSHIONFeb 20292 years, 3 months from now
Month 1 coveredJun 2027
Month 2 coveredApr 2028
Month 3 coveredFeb 2029
Today your savings cover 0.4 months of spending.
Email me this
Your cushion target and the month you’ll reach it, in your inbox.
How it works
- Your target is your monthly spending times the months you want covered.
- What you have counts first, then what you add each month.
- Savings earn interest monthly at your APY.
- Each month of spending gets a date when it’s covered.
Start with one month
Six months can feel impossible. One month of bills is a real cushion, and the next one comes faster.
one month first. then the next.
Turn the answer into a plan
In pinchd, every payment lands in the paycheck that pays it, and you tick it off as you go. No bank login, ever.
Questions
How big should an emergency fund be?
Three to six months of spending is the usual goal. Start with one, especially while you’re paying off debt.
Where should I keep it?
Somewhere separate from everyday spending that you can reach in a day or two, like a savings account.
How accurate is this?
It’s an estimate from the numbers you enter. Real statements and rates vary a little.
Is this calculator free?
Yes. No sign-up. It’s in the pinchd app too, where the answer fits into your actual paychecks.