Owners mix personal and business emergency savings, leaving the business exposed to a bad month.
Calculating a reserve from your fixed operating costs, kept separate from personal savings, means a bad month doesn't threaten the business.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
When business owners keep one emergency fund for both life and business, a bad month for the business can quietly drain the same money set aside for a personal crisis, or vice versa, leaving both exposed.
Calculate your fixed monthly operating costs, rent, payroll, insurance, loan payments, the costs that continue even in a bad month, and the sheet automatically calculates 3-month and 6-month reserve targets from that number. Contribute to the business reserve separately from your personal emergency fund and any owner draw, and the sheet tracks your total reserve saved and shows exactly how many months of operating costs you currently have covered.
We built this after noticing how often business owners discover, mid-crisis, that their "emergency fund" was really just one pool covering two very different risks. Separating them changes how protected you actually are.
— DaveWays
Calculated from your real fixed operating costs, not a generic savings rule.
Your business reserve and personal emergency fund stay genuinely separate.
The sheet shows how many months of operating costs your current reserve covers.
What counts as a fixed operating cost?
Costs that continue even in a bad month, like rent, payroll, insurance, and loan payments; you enter your own numbers.
Should I use the 3-month or 6-month target?
That depends on your risk tolerance and business stability; the sheet calculates both so you can choose.
Does this replace my personal emergency fund?
No, it's meant to be kept separate from your personal emergency fund, not a replacement for it.
Want the rest of the set? The Personal Finance Complete Bundle includes this product plus every other Personal Finance tool, for less than the price of buying them apart.
Small Business Emergency Fund Planner (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Small Business Emergency Fund Planner is $14.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
