How much should I keep for surprise bills?
Enough cash to help when pay stops or a big bill shows up. Find a starting target with your own numbers.
Completely free. No sign-up or bank login needed.
Start with your home
These numbers stay in this page while you use it. They do not change or save to your account.
Housing, food, power, transport, insurance, and debt minimums.
Leave out business cash, investments, and money for other goals.
We start at 3 months for steady pay, or 6 for changing pay. Choose more if you need it. This is MONEY MOGUL’s planning starting point, not a full review of your life.
Add your bills and savings above to see your target. Use $0 if you have no savings yet. Then choose how steady your income is.
Why keep a cushion?
The Money Guy puts a full cash cushion before filling retirement accounts. It helps one surprise avoid turning into new debt. This tool estimates the cushion, not your whole money plan.
Read The Money Guy’s nine stepsNow know what to do next.
MONEY MOGUL uses your bills, savings, and debts to build a clear next step. These page entries will not carry into sign-up.
See my next money step—freeNo card, no trial, no paid plan.