emergency-fund
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.
npx skills add mohitagw15856/pm-claude-skills --skill emergency-fund --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Emergency Fund Skill "Six months of expenses" is a slogan wearing a decimal — the real number depends on which expenses (essential, not total) and which risks (one income or two, steady or variable, how fast the job replaces itself). This skill computes the target from those inputs, builds the funding timeline, and writes the two rule-sets that make a fund work in practice: what counts as an emergency, and when to stop adding to the fund and start investing the surplus. ## What This Skill Produces - **The risk-adjusted target** — base 3 months of *essentials*, plus priced risk adders, from the script - **The essential-spend worksheet** — the emergency budget, which is smaller than the current budget on purpose - **The funding plan** — gap, monthly rate, completion date, and what pauses (not stops) contributions - **The two rule-sets** — is-this-an-emergency, and the fund-is-full-now-what line ## Required Inputs Ask for these if not provided: - **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, incom
- What This Skill Produces
- Required Inputs
- Programmatic Helper
- Framework: The Sizing Rules
- Output Format
- The Target
- The Essential Budget
- The Funding Plan
- The Rules
- Quality Checks
- Anti-Patterns
python3 scripts/emergency_fund.py --essentials 3400 --saved 4000 --monthly-save 500 python3 scripts/emergency_fund.py --essentials 3400 --saved 4000 --monthly-save 500 --single-income --variable-income --json
What does the emergency-fund skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill emergency-fund --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.