How Much Emergency Fund Do You Really Need?

Most creators are one algorithm change away from disaster. Calculate your exact safety net based on platform risk, income volatility, and recovery time.

67% of Creators Have Less Than 1 Month Saved

The average creator needs 6-12 months of expenses saved, but most have less than $2,000. One platform issue = financial disaster.

Your Financial Situation

Enter your numbers for personalized calculation

Monthly Expenses

Rent, food, utilities, insurance, etc.

$

Software, contractors, equipment, ads

$

Credit cards, loans, etc.

$

Income & Stability

Average monthly revenue

$

Total saved right now

$

Platform Dependency Risk

✓
Low Risk (3-6 months needed) Multiple platforms, <40% from any one source
!
Medium Risk (6-9 months needed) 2-3 platforms, 40-70% from main source
⚠
High Risk (9-12 months needed) Single platform, >70% from one source

Your Emergency Fund Target

Based on your expenses and risk level

$30,000
Total Emergency Fund Needed
6 months of expenses
🏠
Personal Safety Net Living expenses coverage
$21,000
💼
Business Buffer Keep business running
$9,000

Your Current Status

Fund Completion 7%
Months Covered 0.4 months
Gap to Fill $28,000

What This Protects You From

🚫 Platform Ban
6 months
Time to rebuild on new platform
📉 Algorithm Change
4 months
Time to recover traffic
🏥 Health Emergency
Covered
Can take time off to recover
🚀 Pivot Opportunity
Ready
Freedom to pursue new direction

Your Savings Roadmap

Today - Current Position

You have $2,000 saved

This covers 0.4 months of expenses

Month 3 - First Milestone

Target: $10,000

Save $2,667/month to reach this

Month 6 - Safety Zone

Target: $20,000

You'll have 4 months of runway

Month 12 - Full Protection

Target: $30,000

Complete financial security achieved

Build Your Safety Net The Right Way

Proper business structure helps you save faster with tax optimization and expense deductions

Set Up Business Structure

💰 Most creators can save 30% more with proper business structure