Free Tools
HYSA vs Invest Split Planner
Balance short-term safety and long-term growth with a realistic monthly split.
HYSA vs Invest Split Inputs
Build a split based on your emergency fund target first, then your long-term investing path.
Recommended monthly split
HYSA
71% ($850)
Invest
29% ($350)
Emergency target
$19,200
Emergency shortfall
$10,200
At this pace, your emergency gap is filled in about 9 months.
5-year projection: HYSA $67,740 + Investments $25,058 = $92,797.
Why this split matters
Holding too much cash can slow long-term wealth building. Investing too early without a buffer can force costly withdrawals. This planner helps you sequence both goals properly.
How to choose your split
1. Lock your emergency target first. Use 3 to 6 months of core expenses as a starting range.
2. Set a realistic monthly surplus. Enter what you can actually sustain after essentials and debt minimums.
3. Adjust for your timeline. Short-term goals favor HYSA; long-term goals can carry more investment weight.
Common mistakes to avoid
Do not assume your income and expenses are static. Re-run this plan when your cash flow changes.
Avoid setting your emergency fund target too low just to accelerate investing. That can force withdrawals at bad times.
Do not ignore high-interest debt. Paying down expensive debt can outperform low-risk savings and investing in some periods.
FAQ
Should my split stay fixed forever?
No. Rebalance as your emergency fund reaches target and your income changes.
Does this account for market risk?
Use conservative return assumptions and review multiple scenarios.
Should I fully pause investing until emergency savings is done?
Not always. A balanced split can work better if your long-term goals and employer match matter.
How often should I rebalance this plan?
Monthly is useful early on, then quarterly once your cash flow stabilizes.
Execute your split automatically
Use MoneyCoach to track cash buckets, goals, and monthly automation.
Get MoneyCoachImportant Disclaimer
This tool is for educational and planning purposes only. It does not provide financial, tax, or legal advice. Results are estimates based on your inputs and may differ from real-world outcomes.