Emergency Fund for Self‑Employed: Managing Irregular Income

General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.

Consider separate buffers for home and business cash flows

Irregular income requires a thicker cushion. Maintain separate buffers for personal expenses and business cash flow to ride slow months.

Top up the fund in high‑income months and avoid drawing it down for non‑emergencies.

• Keep at least 6–9 months’ expenses; 12 months if volatility is high.
• Use sweep accounts or liquid funds for quick access.
• Review quarterly alongside receivables pipeline.