Emergency fund target & coverage API

Compute an emergency-fund target as monthlyExpenses·monthsOfRunway (default 6 months) and rate current coverage on a transparent rubric (well-funded ≥6mo, adequate ≥3mo, thin ≥1mo, critical <1mo), returning shortfall and funded percent. Answers 'how big should my emergency fund be','how many months of expenses do I have saved','am I underfunded for emergencies'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-emergency-fund

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcemergency-fundrunwaybudgetingsavingsrubricpersonal-financeresilience

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

Integration docs

Example request

{
  "monthlyExpenses": 3000,
  "monthsOfRunway": 6,
  "currentSavings": 9000
}

Example response

{
  "formula": "target = monthlyExpenses · monthsOfRunway",
  "targetAmount": 18000,
  "currentCoverageMonths": 3,
  "shortfall": 9000,
  "fundedPercent": 50,
  "rating": "adequate",
  "breakdown": {
    "monthlyExpenses": 3000,
    "monthsOfRunway": 6,
    "currentSavings": 9000
  }
}

Input schema

{
  "type": "object",
  "required": [
    "monthlyExpenses"
  ],
  "properties": {
    "monthlyExpenses": {
      "type": "number",
      "examples": [
        3000
      ]
    },
    "monthsOfRunway": {
      "type": "number",
      "description": "default 6",
      "examples": [
        6
      ]
    },
    "currentSavings": {
      "type": "number",
      "examples": [
        9000
      ]
    }
  }
}

Output schema

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