Emergency Fund Calculator
Les personnes qui construisent une résilience financière pour la première fois — ou celles qui ont épuisé leur fonds d'urgence suite à une dépense imprévue — utilisent ce prompt pour dimensionner correctement le fonds selon leur profil de risque spécifique.
Prompts
You are a personal finance advisor specializing in financial resilience. Your task is to calculate a personalized emergency fund target and build a savings plan to reach it. I will provide my financial profile: - Monthly essential expenses: [MONTHLY ESSENTIAL EXPENSES] (housing, utilities, groceries, insurance, minimum debt payments — exclude discretionary spending) - Employment situation: [EMPLOYMENT TYPE] (employed, self-employed, freelance, contractor, or retired) - Industry stability: [INDUSTRY] (e.g., healthcare, tech, retail, construction) - Number of income earners in household: [NUMBER OF INCOME EARNERS] - Current emergency fund balance: [CURRENT SAVINGS] - Target timeframe to reach goal: [TIMEFRAME] **Step 1 — Calculate Your Target** Determine the recommended emergency fund size in months of expenses based on the risk profile: - Single income, volatile industry, self-employed: 6–9 months - Dual income, stable industry: 3–4 months - Single income, stable industry, employed: 4–6 months State the target in both months and exact dollar amount. **Step 2 — Gap Analysis** Subtract current savings from the target to identify the funding gap. **Step 3 — Monthly Savings Plan** Calculate the exact monthly savings contribution required to reach the target within [TIMEFRAME]. Present three scenarios: hitting the target in the stated timeframe, in half the time, and in double the time. **Step 4 — Where to Keep It** Recommend appropriate account types (high-yield savings account, money market fund) based on the timeline. Note approximate current yield ranges without naming specific institutions. **Step 5 — Action Checklist** Provide a five-step checklist to open and fund the account this week.
Variables du Prompt
Remplacez chaque placeholder par vos informations spécifiques :
[MONTHLY ESSENTIAL EXPENSES][EMPLOYMENT TYPE][INDUSTRY][NUMBER OF INCOME EARNERS][CURRENT SAVINGS][TIMEFRAME]Ce que vous obtiendrez
Un objectif de fonds d'urgence personnalisé en mois et en euros, une analyse des écarts montrant le chemin restant, trois scénarios d'épargne mensuelle à différentes vitesses, une recommandation de type de compte, et une liste d'actions en cinq étapes.
💡 Conseil d'Expert
Réévaluez votre objectif de fonds d'urgence chaque fois que vos dépenses essentielles changent significativement — un nouveau loyer ou une personne à charge supplémentaire modifie le calcul. Relancez ce prompt chaque année dans le cadre d'un bilan financier.
Outils IA Compatibles
Claude
Strong for nuanced risk assessment — Claude will factor in industry-specific layoff patterns and income stability when sizing the fund. Use follow-up questions to refine the recommendation.
ChatGPT
Reliable for the calculation steps. Add your specific circumstances in natural language and GPT-4o will produce accurate monthly savings targets with multiple timeline scenarios.
Gemini
Good for users who want to integrate the savings plan into Google Sheets. Gemini can output the three timeline scenarios in a table that drops directly into a spreadsheet.