What do I need to use Emergency Fund?

Essential monthly spend; The risk profile; Current liquid savings and monthly saving capacity; What they're funding *instead.

Is Emergency Fund free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Emergency Fund

Q: How do I know the Emergency Fund output is good?

The skill verifies itself against its own quality checks: The target is computed on essentials, with the worksheet shown; Every risk adder maps to a stated mechanism, not generic caution; The sequencing question (debt, match) is addressed when it applies; The all-three emergency test appears in the artifact.

🔵 Stable🕐 updated 2026-07-18 🔷 SkillSpec L3 ⚙ ships an executable helper pm-calculators

Size an emergency fund from essential spend and real risk factors — not a one-size 'six months' — with the funding timeline and where the money should sit. Use when asked how big should my emergency fund be, do I have enough saved, emergency fund or invest, or how many months of expenses do I need. Produces the risk-adjusted target from the script, the essential-spend worksheet, the funding plan, and the what-counts-as-an-emergency rules.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸Essential monthly spend — housing, food, utilities, insurance, minimum debt payments, transport; NOT the current all-in lifestyle number (help build this if they only know the total)

▸The risk profile — single or dual income, income variability (freelance/commission/seasonal), dependents, how specialized the job market is

▸Current liquid savings and monthly saving capacity — for the gap and timeline

▸What they're funding *instead — * — high-interest debt or an unmatched 401k competing for the same dollars changes the sequencing conversation

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓The target is computed on essentials, with the worksheet shown

✓Every risk adder maps to a stated mechanism, not generic caution

✓The sequencing question (debt, match) is addressed when it applies

✓The all-three emergency test appears in the artifact

✓The stop-adding line exists — the fund has a ceiling, not just a floor

⚠️ What it refuses to do

Do not quote "3–6 months" as doctrine — compute this household's number and show why

Do not size on lifestyle spend — it delays protection to fund cancelled subscriptions

Do not chase yield with the emergency money — the fund's job is existing, not earning

Do not let the fund become the goal — past target, saving more is a comfort habit with a real opportunity cost

Do not shame the starter-fund compromise — one month of buffer changes lives before the spreadsheet is happy

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="emergency-fund"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Emergency Fund is one of 599 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog