Result: Recommended: PLN 22,500, You have: 2.7 mo, Gap: PLN 10,500
Liquidity planning
An emergency fund sized for your income risk
Set the reserve you need by combining expenses, job stability and family obligations in one view.
Household parameters
Share your core expenses and stability to tailor the reserve requirement.
Each dependent increases the target by ~0.4 months of expenses.
Income stability
B2B / contractor. Slightly elevated risk
Emergency fund recommendation
Recommended reserve
PLN 22,500
5 months of expenses
Current coverage
2.7 mo
Gap to goal
PLN 10,500
To close the gap in 6 months, save about PLN 1,750 a month.
Reserve for 3 / 6 / 12 months
Compare the cash needed for different safety horizons.
- 3 moPLN 13,500
PLN 1,500 short
- 6 moPLN 27,000
PLN 15,000 short
- 12 moPLN 54,000
PLN 42,000 short
How it works
Share your core expenses and stability to tailor the reserve requirement. We blend your costs, income stability and obligations to recommend a safety net. Compare the cash needed for different safety horizons.
- Expenses and commitments. Capture rent, loan payments and family costs.
- Income stability. Employment contract, B2B or contracting – tune the recommendation.
- Buffer build plan. See how much to save monthly to close the gap.
Your inputs stay private and under your control.
Reserve in place? Work out your FIRE number
The next step is to see how much capital you need for financial independence. Your monthly expenses carry over.
Open the FIRE calculator