[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M74YAXF86Z2P038TPZWE9BTK":3,"skill-same:01M74YAXF86Z2P038TPZWE9BTK":46},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":19,"linkOnly":20,"markdownContent":21,"markdownBody":22,"frontMatter":23,"refName":24,"commitSha":25,"skillDirectory":26,"forksCount":27,"repositoryHtmlUrl":28,"repositoryHomepageUrl":6,"ownerHtmlUrl":29,"ownerBlogUrl":30,"ownerDescription":6,"updatedAt":31,"install":32,"resources":45},"01M74YAXF86Z2P038TPZWE9BTK","emergency-fund",null,"Calculate emergency fund target and track savings progress toward it.","openaccountant\u002Fskills","openaccountant","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F264845549?v=4","01M74Y9H4M5RZ23X265W9B9GSC","OpenAccountant AI","01M74Y9H580Z745YB8EPFHF537",117,"MIT","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fpersonal\u002Femergency-fund\u002FSKILL.md",[],[],"2026-11-11 17:30:46",false,"---\nname: emergency-fund\ndescription: >\n  Calculate emergency fund target and track savings progress toward it.\n---\n\n# Emergency Fund Calculator\n\n## Overview\nCalculates your emergency fund target based on 3-6 months of essential expenses, tracks your current savings progress, estimates how long it will take to reach your goal at your current savings rate, and suggests ways to accelerate funding.\n\n## Wilson Tools Used\n- `spending_summary` — calculate average monthly essential expenses to set the fund target\n- `transaction_search` — find savings deposits and current savings activity\n\n## Workflow\n1. Run `spending_summary` for the last 3 months to get average monthly spending by category.\n2. Identify essential expense categories: Housing\u002FRent, Utilities, Groceries, Transportation, Insurance, Minimum Debt Payments, Healthcare. Sum these to get your monthly essential expenses.\n3. Calculate emergency fund targets:\n   - **Minimum (3 months):** monthly essentials x 3\n   - **Standard (4 months):** monthly essentials x 4\n   - **Comfortable (6 months):** monthly essentials x 6\n4. Run `transaction_search` with `query: \"savings OR emergency fund OR transfer to savings\"` and `months: 6` to find savings deposits.\n5. Calculate your average monthly savings deposit amount from the results.\n6. Ask the user for their current emergency fund balance.\n7. Calculate months to reach each target: `(target - current balance) \u002F average monthly savings deposit`.\n8. Present a progress report:\n\n   ```\n   Monthly Essential Expenses:  $X,XXX\n   Current Emergency Fund:      $X,XXX\n   \n   Target        Amount     Gap        Months to Goal\n   ─────────     ────────   ────────   ──────────────\n   3-month       $X,XXX     $X,XXX     X months\n   4-month       $X,XXX     $X,XXX     X months\n   6-month       $X,XXX     $X,XXX     X months\n   \n   Progress: [████████░░░░░░░░░░░░] 42%\n   ```\n\n9. If the savings rate is low, suggest categories from the spending summary where cuts could accelerate the timeline.\n\n## Without Wilson\n1. Export 3 months of bank transactions as CSV.\n2. In a spreadsheet, categorize each transaction and filter to essential categories only: rent\u002Fmortgage, utilities (electric, gas, water, internet), groceries, transportation (gas, transit passes), insurance premiums, minimum loan payments, and healthcare.\n3. Sum essential expenses for each month, then average: `=AVERAGE(B2:B4)` across 3 months.\n4. Multiply the average by 3, 4, and 6 for your targets.\n5. Check your savings account balance (log into your bank).\n6. Calculate how much you saved last month: look at transfers from checking to savings, or compare beginning and ending savings balances on your statement.\n7. Divide the gap (`target - current balance`) by your monthly savings amount.\n8. To accelerate: review your spending summary for non-essential categories. Common cuts — dining out, subscriptions, shopping — can be redirected to savings.\n9. Set up automatic transfers: most banks allow recurring transfers from checking to savings (Settings > Transfers > Recurring).\n\n## Important Notes\n- Essential expenses only — do not include dining out, entertainment, or shopping in your emergency fund calculation. You would cut those in an actual emergency.\n- If you are self-employed or have irregular income, target 6 months minimum.\n- Keep emergency funds in a high-yield savings account (currently 4-5% APY), not invested in stocks.\n- If you have high-interest debt (above 8% APR), consider a starter $1,000 emergency fund while focusing on debt payoff, then build to 3-6 months after.\n","# Emergency Fund Calculator\n\n## Overview\nCalculates your emergency fund target based on 3-6 months of essential expenses, tracks your current savings progress, estimates how long it will take to reach your goal at your current savings rate, and suggests ways to accelerate funding.\n\n## Wilson Tools Used\n- `spending_summary` — calculate average monthly essential expenses to set the fund target\n- `transaction_search` — find savings deposits and current savings activity\n\n## Workflow\n1. Run `spending_summary` for the last 3 months to get average monthly spending by category.\n2. Identify essential expense categories: Housing\u002FRent, Utilities, Groceries, Transportation, Insurance, Minimum Debt Payments, Healthcare. Sum these to get your monthly essential expenses.\n3. Calculate emergency fund targets:\n   - **Minimum (3 months):** monthly essentials x 3\n   - **Standard (4 months):** monthly essentials x 4\n   - **Comfortable (6 months):** monthly essentials x 6\n4. Run `transaction_search` with `query: \"savings OR emergency fund OR transfer to savings\"` and `months: 6` to find savings deposits.\n5. Calculate your average monthly savings deposit amount from the results.\n6. Ask the user for their current emergency fund balance.\n7. Calculate months to reach each target: `(target - current balance) \u002F average monthly savings deposit`.\n8. Present a progress report:\n\n   ```\n   Monthly Essential Expenses:  $X,XXX\n   Current Emergency Fund:      $X,XXX\n   \n   Target        Amount     Gap        Months to Goal\n   ─────────     ────────   ────────   ──────────────\n   3-month       $X,XXX     $X,XXX     X months\n   4-month       $X,XXX     $X,XXX     X months\n   6-month       $X,XXX     $X,XXX     X months\n   \n   Progress: [████████░░░░░░░░░░░░] 42%\n   ```\n\n9. If the savings rate is low, suggest categories from the spending summary where cuts could accelerate the timeline.\n\n## Without Wilson\n1. Export 3 months of bank transactions as CSV.\n2. In a spreadsheet, categorize each transaction and filter to essential categories only: rent\u002Fmortgage, utilities (electric, gas, water, internet), groceries, transportation (gas, transit passes), insurance premiums, minimum loan payments, and healthcare.\n3. Sum essential expenses for each month, then average: `=AVERAGE(B2:B4)` across 3 months.\n4. Multiply the average by 3, 4, and 6 for your targets.\n5. Check your savings account balance (log into your bank).\n6. Calculate how much you saved last month: look at transfers from checking to savings, or compare beginning and ending savings balances on your statement.\n7. Divide the gap (`target - current balance`) by your monthly savings amount.\n8. To accelerate: review your spending summary for non-essential categories. Common cuts — dining out, subscriptions, shopping — can be redirected to savings.\n9. Set up automatic transfers: most banks allow recurring transfers from checking to savings (Settings > Transfers > Recurring).\n\n## Important Notes\n- Essential expenses only — do not include dining out, entertainment, or shopping in your emergency fund calculation. You would cut those in an actual emergency.\n- If you are self-employed or have irregular income, target 6 months minimum.\n- Keep emergency funds in a high-yield savings account (currently 4-5% APY), not invested in stocks.\n- If you have high-interest debt (above 8% APR), consider a starter $1,000 emergency fund while focusing on debt payoff, then build to 3-6 months after.\n",{"name":5,"description":7},"main","f5abe381f24b5b7d59f1d0b4a825b14494ff2034","personal\u002Femergency-fund",19,"https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills","https:\u002F\u002Fgithub.com\u002Fopenaccountant","https:\u002F\u002Fopenaccountant.ai","2026-04-09 23:03:52",{"source":8,"skillName":5,"commands":33,"prompt":43,"zipAvailable":44},[34,37,40],{"tool":35,"command":36},"npx","npx skills add openaccountant\u002Fskills --skill emergency-fund",{"tool":38,"command":39},"bunx","bunx skills add openaccountant\u002Fskills --skill emergency-fund",{"tool":41,"command":42},"pnpm","pnpm dlx skills add openaccountant\u002Fskills --skill emergency-fund","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fpersonal\u002Femergency-fund\u002FSKILL.md",true,[],[47,54,61,68,75,82],{"skillNo":48,"name":49,"nameZh":6,"description":50,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":51,"categories":52,"keywords":53,"publishedAt":19},"01M74YCMH08XC7D0GJTX1P4CNR","year-end-summary","Generate an annual financial review with totals, trends, and highlights.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Fyear-end-summary\u002FSKILL.md",[],[],{"skillNo":55,"name":56,"nameZh":6,"description":57,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":58,"categories":59,"keywords":60,"publishedAt":19},"01M74YCJ3PYFTSQ98HDRVFS1GY","tax-prep","Organize business expenses by IRS Schedule C categories for tax filing.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Ftax-prep\u002FSKILL.md",[],[],{"skillNo":62,"name":63,"nameZh":6,"description":64,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":65,"categories":66,"keywords":67,"publishedAt":19},"01M74YCFN34E2S1F424V4JC5SB","smart-split","Split a single transaction across multiple categories with custom amounts.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Fsmart-split\u002FSKILL.md",[],[],{"skillNo":69,"name":70,"nameZh":6,"description":71,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":72,"categories":73,"keywords":74,"publishedAt":19},"01M74YCDB68Q9CYH1MMCYZQSV0","smart-categorize","Auto-categorize uncategorized transactions using vendor pattern matching.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Fsmart-categorize\u002FSKILL.md",[],[],{"skillNo":76,"name":77,"nameZh":6,"description":78,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":79,"categories":80,"keywords":81,"publishedAt":19},"01M74YCAHA923T5SC63S31KHXA","sales-tax-nexus","Determine sales tax obligations by state based on economic nexus thresholds.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Fsales-tax-nexus\u002FSKILL.md",[],[],{"skillNo":83,"name":84,"nameZh":6,"description":85,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":86,"categories":87,"keywords":88,"publishedAt":19},"01M74YC832W8BPW5PD7895S1G5","quarterly-taxes","Estimate quarterly tax payments using income totals and safe harbor rules.","https:\u002F\u002Fgithub.com\u002Fopenaccountant\u002Fskills\u002Fblob\u002Fmain\u002Fshared\u002Fquarterly-taxes\u002FSKILL.md",[],[]]