Emergency fund calculator API

Size an emergency fund as N months of essential expenses (standard 3-6 months), compute the gap from current savings, months-to-fund at a contribution rate, and a coverage rating. Answers 'how big should my emergency fund be', 'months to build a 6-month emergency fund', 'is my emergency fund adequate'.

Price$0.01per request

MethodPOST

Route/v1/calc/budget-emergency-fund

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

budgetemergency-fundsavingsexpensescoveragerainy-daycalculatormoney

API URLhttps://x402.hexl.dev/v1/calc/budget-emergency-fund

Integration docs

Example request

{
  "monthlyEssentialExpenses": 3000,
  "monthsOfCoverage": 6,
  "currentSavings": 5000,
  "monthlyContribution": 1000
}

Example response

{
  "targetFund": 18000,
  "monthsOfCoverage": 6,
  "currentSavings": 5000,
  "gap": 13000,
  "monthsToFund": 13,
  "currentCoverageMonths": 1.67,
  "funded": false,
  "rating": "thin"
}

Input schema

{
  "type": "object",
  "required": [
    "monthlyEssentialExpenses"
  ],
  "properties": {
    "monthlyEssentialExpenses": {
      "type": "number",
      "description": "Monthly essential expenses in dollars",
      "examples": [
        3000
      ]
    },
    "monthsOfCoverage": {
      "type": "number",
      "description": "Target months of coverage (default 6)",
      "examples": [
        6
      ]
    },
    "currentSavings": {
      "type": "number",
      "description": "Current emergency savings in dollars",
      "examples": [
        5000
      ]
    },
    "monthlyContribution": {
      "type": "number",
      "description": "Monthly contribution in dollars",
      "examples": [
        1000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}