pennyvaults

Emergency funds, made simple

A little cash set aside changes everything.

Plain-English guides to building an emergency fund: how much you really need, where to find the money, where to keep it, and how to use it without guilt when life happens.

Work out your target Where to keep it
  • First $500
  • One month of expenses
  • Three months
  • Six months
An example fund, built in small, automatic deposits.

Three ways to start today

CalculatorFind your targetEssential expenses in, target and timeline out. ComparedWhere to keep itSavings, high-yield, money market, CDs and cash. ChecklistSafety NetSixteen steps from zero to a full emergency fund.

15 emergency fund guides

Getting started

Building it

Where to keep it

Using and refilling

Free download, no email needed

The Emergency Fund Planner

List your essential expenses, set a target, plan where the money comes from and track every deposit until your fund is full.

Get the free PDFSee the Safety Net checklist

Coming soon

Ninety days, one small task a day

The 90-Day Vault Challenge: a guided savings challenge with a short task each day: find money in your budget, set up automatic transfers, and watch your first emergency fund grow.

$19 once, for the whole challenge. 30-day refund.

See how it works