· Money Moves · Emergency savings
Rainy Day Fund: a free game about emergency savings
The boiler breaks, a tenant leaves. Size your cushion so a bad month never becomes debt.
What is Rainy Day Fund?
Five lives, one year each: a steady job, a freelancer, a family with an old car. Set the emergency fund in months of costs, then the year's surprises land. Too little means a costly loan; far too much sits idle.
Rainy Day Fund is a free money game about emergency savings. Five lives, one year each: a steady job, a freelancer, a family with an old car.
Set the fund in months of costs, then the surprises land. Too little and the gap goes on a costly loan; far too much and the extra coins sit idle.
At a glance
- Category
- Money Moves
- Difficulty
- Easy
- Play time
- 3–4 min
- Price
- Free, in your browser, sign-up optional
How to play
- Read
- Each life shows its monthly costs and what could go wrong.
- Set
- Choose the fund in months of costs and lock it in. Up to 200 points a year.
- Three levels
- Beginner, Intermediate or Expert, picked before you play: the content and the clock change, and each level keeps its own best score.
- Coins
- Example numbers in plain fictional coins, made up for the game. Not financial advice.
Scoring
Up to 200 a year: 50 less per month of costs you were short (a loan), 30 less per month far over what the life needed.
Five lives, one year each.
What it trains
- Emergency savings
- Sizing a fund in months of costs.
- Risk sense
- Matching the cushion to how risky life is.
Strategy and tips
- Count in months
- Months of costs is a measure that fits any income.
- Size to the risk
- Irregular pay or old equipment calls for a bigger cushion than a steady job.
- Then stop
- Past a sensible cushion, extra savings can work elsewhere.
Why play Rainy Day Fund?
An emergency fund is what turns a bad month into an inconvenience instead of a debt. Practising its size makes it easier to start one.
Frequently asked questions
Is Rainy Day Fund free?
Yes. It is free and runs in your browser, with no download. Signing up is optional.
Is this financial advice?
No. Every number is an example in fictional coins, made up for the game. It teaches the ideas; for real decisions, look at your own situation and local rules, or ask a qualified adviser.
Are there levels?
Yes: Beginner, Intermediate and Expert. The numbers, the hints and the clock change, and each level keeps its own best score.