# Emergency Fund Calculator API

> For the complete documentation index, see [llms.txt](/llms.txt).

Emergency fund target by employment profile and dependents, with 3/6/9/12-month tiers and time to reach each.

Use this endpoint to add the tool to your app, site, workflow, or agent without rebuilding formulas, validation, examples, and docs.

- Slug: `emergency-fund-calculator`
- Category: `finance`
- Version: `2026-04-22`
- Credits per successful call: 2
- Starts on: free
- Max payload: 65536 bytes
- Privacy mode: `hash_only`
- Available on: free, starter, pro, business, scale
- Browser tool: https://miniwebtool.com/emergency-fund-calculator/

## Endpoint

`POST https://api.miniwebtool.com/v1/tools/emergency-fund-calculator/run`

## Request body

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `monthly_expenses` | `float` | no | Essential monthly expenses |
| `current_savings` | `float` | no |  |
| `monthly_contribution` | `float` | no |  |
| `employment_type` | `str` | no | employed | freelance | contract | dual_income | single_parent Choices: employed, freelance, contract, dual_income, single_parent |
| `dependents` | `int` | no |  |
| `savings_rate_pct` | `float` | no | Annual interest rate on the savings account |

## Example request

```json
{
  "monthly_expenses": 3000,
  "current_savings": 2000,
  "monthly_contribution": 500,
  "employment_type": "employed",
  "dependents": 0
}
```

## cURL

```bash
curl -X POST https://api.miniwebtool.com/v1/tools/emergency-fund-calculator/run \
  -H 'Authorization: Bearer mwt_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"monthly_expenses":3000,"current_savings":2000,"monthly_contribution":500,"employment_type":"employed","dependents":0}'
```

## Response envelope

```json
{
  "request_id": "01K...",
  "tool": "emergency-fund-calculator",
  "tool_version": "2026-04-22",
  "credits_used": 2,
  "result": {}
}
```

## Errors

Errors are RFC 7807 `application/problem+json`. Branch on `code`, not `title`.

## MCP

Agents can discover and call this tool through `https://api.miniwebtool.com/mcp` or `https://api.miniwebtool.com/v1/mcp` using MCP `tools/list` and `tools/call`.

## Frequently asked

### What does the Emergency Fund Calculator API do?

Emergency fund target by employment profile and dependents, with 3/6/9/12-month tiers and time to reach each. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

### How much does one call cost?

2 credits per successful call. Failed calls do not bill.

### What parameters are required?

Required fields: (none). Full schema at `https://api.miniwebtool.com/v1/openapi.json`.

### Is this deterministic?

Yes. Same input, same output. Tool version: 2026-04-22.