$4.99
Months of cover, not a balance. Split one deposit across several funds by priority, and see what each unfunded emergency would really cost on a credit card.
Instant digital delivery. One purchase, one file, no subscription. Full refund within 14 days if it does not do what this page says it does.
Not how much you have saved. How long it lasts.
Enter your essential monthly spending and what you have set aside, and the workbook tells you your months of cover, which is the only emergency fund number that means anything.
Most people are saving for more than one thing at once. A car repair fund, a boiler fund, three months of rent.
Enter a single deposit and the workbook allocates it across your funds by the priority you set, then shows you the new position for each. You put in one number. It does the splitting.
A boiler goes. It costs 2,500 you do not have, so it goes on a credit card at 24.99% and you pay the minimum.
That 2,500 becomes 6,644 over 169 months.
Fourteen years, for one boiler.
The workbook runs that calculation for the emergencies you are actually exposed to, so the fund stops being an abstraction and becomes a number you are choosing not to pay.
Runs in Google Sheets. One menu command builds the whole workbook, with sample funds already loaded.
One purchase, one spreadsheet in your own Drive. No subscription, no account to keep, no monthly fee.
Copy the file, reload it once, run a single menu command. Nothing to configure and no setup wizard.
Every figure that changes your plan shows how it got there, in the sheet, before anything is rewritten.
The script reads and edits that one spreadsheet. No email, no other Drive files, and nothing is collected by us.
Google Sheets only. Excel cannot run the automation. Menu commands need a desktop browser, and day to day use works on mobile.
Immediately, as a link to the workbook and a setup manual. You copy the file into your own Google Drive and it is yours from that point.
No. The automation is Google Apps Script, which only runs inside Google Sheets. Opening the file in Excel gives you a spreadsheet with no menu and formulas that will not resolve.
Reload the file first, because the menu only appears after the first reload. If that does not fix it, support goes to a person and you get a reply rather than a ticket number.
Within 14 days, if the workbook will not build or does not do what this page says it does. The one exclusion is buying it for Excel, which is stated here, in the terms, and on How it works.
