{"name":"emergency-fund-calculator","description":"Calculates your emergency fund target and how long reaching it will take at your current savings pace. Computes the recommended target (essential monthly expenses x target months), current coverage ratio, months of expenses already saved, shortfall, monthly surplus, and months to reach the target, plus a readiness score, drivers, and recommendation. Use it as an emergency fund calculator API, rainy-day fund target, months-of-expenses runway check, or savings cushion planner.","price":"$0.01","method":"POST","input_schema":{"properties":{"monthly_essential_expenses":{"type":"number","description":"Essential monthly living costs to cover (rent, food, utilities, minimum debt payments)."},"current_savings":{"type":"number","description":"Liquid savings already set aside for emergencies."},"target_months":{"type":"number","description":"Months of expenses to target. Default 6 (range 1-36)."},"monthly_income":{"type":"number","description":"Optional take-home monthly income; used to estimate savings pace."},"job_stability_score":{"type":"number","description":"Optional 0-100 estimate of income/job stability."}},"required":["monthly_essential_expenses","current_savings"]},"input_example":{"monthly_essential_expenses":3800,"current_savings":9000,"target_months":6,"monthly_income":6200,"job_stability_score":70},"output_example":{"calculator":"emergency-fund-calculator","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"emergency_fund_target":22800,"shortfall":13800,"coverage_ratio":0.395,"months_of_expenses_covered":2.4,"months_to_reach_target":5.8},"drivers":[{"name":"debt_service_coverage","score":83.6,"weight":0.3,"note":"1.42x DSCR"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}