Solopreneur Emergency Fund Calculator

Help me calculate and build an emergency fund for my solopreneur business:

Monthly Personal Expenses: {{PERSONAL_EXPENSES}}
Monthly Business Expenses: {{BUSINESS_EXPENSES}}
Current Revenue: {{CURRENT_REVENUE}}
Revenue Volatility: {{VOLATILITY}} (stable, moderate, high)
Current Savings: {{CURRENT_SAVINGS}}
Risk Tolerance: {{RISK_TOLERANCE}}
Income Diversification: {{INCOME_SOURCES}}

Provide a comprehensive emergency fund plan:

1. EXPENSE ANALYSIS
- Essential personal expenses
- Essential business expenses
- Reducible expenses
- Minimum survival budget

2. FUND SIZE CALCULATION
- Industry-standard recommendations
- Adjustment for volatility
- Business vs. personal allocation
- Total target amount

3. FUND TIERS
- Tier 1: Critical emergency (1-2 months)
- Tier 2: Standard safety net (3-6 months)
- Tier 3: Extended runway (6-12 months)
- Recommended tier for my situation

4. BUILDING STRATEGY
- Monthly savings target
- Percentage of income to save
- Timeline to reach goal
- Acceleration strategies

5. WHERE TO KEEP FUNDS
- Accessibility requirements
- Interest optimization
- Separation from operating funds
- Multiple account strategy

6. BUSINESS VS. PERSONAL
- Allocation between accounts
- Tax implications
- Legal considerations
- Access rules

7. USAGE GUIDELINES
- What constitutes an emergency
- Withdrawal protocol
- Replenishment rules
- Documentation requirements

8. STRESS TESTING
- Scenario planning
- Worst-case preparation
- Insurance alternatives
- Credit line backup

9. PROGRESS TRACKING
- Milestone celebrations
- Monthly review process
- Goal adjustment triggers
- Maintenance mode rules

10. BEYOND EMERGENCY FUND
- Investment after funded
- Business growth allocation
- Retirement prioritization
- Financial independence path

Provide specific numbers and a timeline based on my inputs.