See what’s left.Plan what’s next.
Reserve basis
Cash reserve
Exclude money already allocated to another goal or unavailable for ordinary expenses. The tool does not assess access restrictions.
Reserve coverage ↗Housing
Use the costs you intend this reserve to cover. Keep a consistent period and avoid double-counting shared bills.
Reserve coverage ↗Daily essentials
Enter amounts grounded in your own records. Household needs differ; no standard allowance is imposed.
Reserve coverage ↗Monthly basis
The displayed coverage assumes the entered monthly costs continue. It does not predict an emergency's size or duration.
Reserve coverage ↗Chosen months
The month target is optional and chosen by you. It is not a personal financial recommendation.
Reserve coverage ↗Missing costs
Fill each cost field deliberately. A zero total cannot produce a meaningful months-of-expenses estimate.
Reserve coverage ↗Different purposes
A planned annual bill and an unexpected expense need not draw on the same pot.
Reserve coverage
Enter six monthly essential-cost amounts, including known zeros. Add a month target only if you want to compare one; coverage is an estimate on this expense basis.
Carry it forward
Reserve clearer?
PaycheckAid organises your figures. It does not determine benefit eligibility, tax, credit suitability or the right financial choice for you.