Emergency Fund

Take risks, with everything except your savings

Gain peace of mind and protect your other goals when unexpected expenses arise.

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BrightPlan Goal Cards

Your tailored cash reserve

Our algorithms make personalized recommendations based on your family situation.

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    Marital Status

    Needs change if you're single or married.

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    Monthly Expenses

    We model your target based on income, expenses, and taxes.

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    We recommend a little extra if you have kids.

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    Savings Advice

    Learn how much to set aside each month to reach your goal.

A smarter place to keep your savings

It’s smart to keep your emergency fund in a separate account that is easy to access when you need the money. A BrightPlan Investment account allows you to:

  • 01

    Start strong

    Get a head start with a low minimum investment of $500.

  • 02

    Take control

    Regularly contribute as much (or as little) as you want.

  • 03

    Maximize your savings

    Earn a return on your investment.

  • 04

    Your money, your way

    Withdraw funds quickly when you need them.

Automation for peace of mind

With a BrightPlan Investment Account, it's easier than ever to build your cash reserve. Set your goal and we'll do the rest:

  • Show you when your fund will be full
  • Advise on how much to save each month
  • Automate monthly deposits to stay on track
  • Pause deposits when you hit your target
Why to set up your fund
Automation for peace of mind
  • Goal Business
  • Goal Debt Reduction
  • Goal Emergency
  • Goal Education
  • Goal Home
  • Goal Business
  • Goal Travel
  • Home Purchasing

    A dream home starts with a real plan

    Let BrightPlan guide you step by step to your new front door.

    Learn more
  • Travel

    Meet your new travel planner

    Set a travel goal in minutes and start funding it right away.

    Learn more
  • Retirement

    Retire inspired

    Accelerate towards financial independence with a personalized retirement plan.

    Learn more
  • Debt Reduction

    Your roadmap to living debt-free

    Your paycheck can fund your future, not your past. Move towards living debt-free with a solid plan.

    Learn more
  • Emergency Fund

    Save up for peace of mind

    An emergency fund protects your stuff, your family, and your other financial goals.

    Learn more
  • Education

    Education planning that makes the grade

    Get the degree but dodge the debt with a solid plan to pay for college.

    Learn more


[1] Vanguard Statistic: For the 10-year period ended December 31, 2017, 9 of 9 Vanguard money market funds, 51 of 55 Vanguard bond funds, 21 of 22 Vanguard balanced funds, and 101 of 108 Vanguard stock funds—for a total of 182 of 194 Vanguard funds —outperformed their Lipper peer-group average. Results will vary for other time periods. Only mutual funds with a minimum 10-year history were included in the comparison. The competitive performance data shown represent past performance, which is not a guarantee of future results.

[2] Dimensional Statistic: Performance data shown represents past performance and is no guarantee of future results. Beginning sample includes funds as of January 1, 2002. The number of beginners is: Industry - 3,545 and Dimensional - 29. Outperformers (winners) are funds with return observations for every month of the 15-year period whose cumulative net return over the period exceeded that of their respective benchmark. US-domiciled open-end mutual fund data is from Morningstar and Center for Research in Security Prices (CRSP) from the University of Chicago. Performance of each fund in the industry sample are evaluated relative to the fund’s Morningstar Category Index. Dimensional fund data provided by the fund accountant. Dimensional funds exclude VA funds and those distributed exclusively through Loring Ward. Performance of Dimensional funds measured against prospectus benchmarks. When evaluating the Dimensional funds relative to the fund’s Morningstar category index, 79% outperform. For further methodology details, see DFA’s Mutual Fund Landscape brochure.