Emergency Fund Planner Excel

Emergency Fund Planner Excel — Build the cushion in tiers: starter fund, core reserves, and the small reserves that keep a bad week from becoming debt.

Built for anyone who wants the whole picture on one page: what the goal is, what is actually there, and which line is quietly falling behind — without accounting software or a subscription app. If one line is underfunded, this workbook shows it while there is still time to fix it.

WHAT'S INCLUDED (6 sheets):

- Fund Planner — Every emergency reserve: target, saved so far, remaining, percent saved, monthly set-aside, and months to goal — by formula except the yellow inputs.

- Deposit Log — Every deposit January-October: date, reserve, description, amount, and account, with running total and share of total by formula.

- Monthly Plan — Month by month: planned deposits, actual deposits from the log by formula, the difference, and cumulative planned vs actual.

- Category Summary — Reserves grouped by category: counts, targets, saved, remaining, and percent saved — all by formula from sheet 1.

- Dashboard — Total emergency target, total saved, remaining, percent funded, monthly set-asides, and the strongest and weakest reserves.

- Cover and How to Use — start here. Yellow cells are the only ones you edit.

EXAMPLE DATA (2026 — replace with your own numbers):

- Target 49,500; current 16,500; remaining 33,000; 33.3 percent complete overall.

- 30 logged entries (January-October 2026) totaling 9,550; monthly plan planned 13,500 for 2026 against actual 9,550 so far.

- Strongest line: Starter Emergency Fund at 100.0 percent. Weakest line: Job Loss Reserve at 18.0 percent. Largest line: Job Loss Reserve at 20,000.

HOW IT WORKS:

1. Download the Excel file instantly after purchase.

2. On sheet 1, enter each reserve's target, saved so far, and monthly set-aside. Remaining, percent, and months fill in by formula.

3. On sheet 2, add a row per deposit: date, reserve (spelled exactly as on sheet 1), amount, and account.

4. On sheet 3, set planned deposits per month. Actuals land by formula from the log.

5. Sheets 4 and 5 summarize everything by formula. Check them monthly.

HOW THE NUMBERS WORK:

Remaining is the target minus the current amount. Percent is the current amount divided by the target. Months figures divide the remaining amount by the monthly amount, rounded up. Monthly actuals are the sum of log entries in that month. Category totals group sheet 1 by its category column. Nothing in the example assumes investment growth or interest unless a sheet says so in plain words.

PLEASE NOTE:

- Instant digital download. No physical item ships.

- Works in Microsoft Excel and Google Sheets (upload to Google Drive to open in Sheets).

- Example data is included so you can see how it works. Replace the yellow cells with your own numbers — yellow cells are the only ones you edit.

- This is a bookkeeping tool, not tax, legal, or CPA advice.

- Built by an accountant: B.S. Accountancy, ASU W. P. Carey, with revenue-reconciliation experience at Marriott and audit work at PwC.