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CarmenWiseEmergency Fund & Liquidity
Runway analysis · liquidation priority · opportunity cost
⚠ Showing demo data — ✏️ Edit my data (bottom right) to add your real liquid accounts.
Total liquid cash
$149,600
Accessible within 3 days
Months covered
33.2
Target: 6 months
Target amount
$27,000
6 mo × $4,500/mo
Over target by
$122,600
Excess to consider deploying
Emergency fund gauge
33.2
months covered
✓ 27.2 months over target
0–2 mo2–4 mo4–6 mo6+ mo
Target settings
1 mo6 mo (standard)12 mo
$
Include: mortgage, food, utilities, insurance, minimum debt payments
Target amount$27,000
Current liquid$149,600
554% funded — $122,600 excess
Liquidity health snapshot
🏦
Emergency fund coverage
33.2 months vs 6-month target
⚡
Instant liquidity
$8,200 available in checking (same-day)
📈
Cash yield
4.5% blended · $6,756/yr passive income
⚠️
Over-funded risk
$122,600 above target — consider deploying to investments
💡 Optimization opportunity
You have $122,600 above your 6-month target. At 5%, this excess earns $6,130/yr already — but deployed to index funds (10% avg), it could grow to $197,449 in 5 years. Visit to see where to deploy.