Agents doing budgeting and personal-finance work keep needing the same number: how big should the rainy-day fund be, and how far off is it? emergency-fund-calculator answers that in one call.

Give it your essential monthly expenses and current savings (optionally your income, a target number of months, and a job-stability estimate). It returns:

  • the recommended emergency-fund target (essential expenses × target months),
  • coverage ratio and months of expenses already saved,
  • the shortfall to the target,
  • months to reach the target at your current monthly surplus,
  • and a readiness score with the drivers behind it.

Every call settles in USDC over x402. It joins the rest of the finance-calculator cluster (break-even, loan amortization, DCF, runway, working capital, and the rest), so an agent can pull whichever it needs.

Defaults are sensible: 6 months of expenses if you don't specify a target, so a bare { "monthly_essential_expenses": ..., "current_savings": ... } works on its own.