Your safety net

The safety cushion is the money you keep available to absorb the unexpected, before any investment. It takes two figures, and the rest of the application reads them.

Where it lives

At /objectifs, above your projects, under the heading Your base. Nothing on an account’s own page leads here, and nothing asks you for it: the card is the only place the question is put.

With no cushion stated, the card offers Set up my safety cushion, and says what it needs: “Two figures are enough: what a month costs you, and how many months you want covered.”

State it

1. Monthly expenses: what a whole month costs you, rent and groceries included.

2. Months covered: a slider from 0 to 12. The dialog shows the target amount as you move it.

3. Account funding it: one account, and only a current account or a savings passbook: “A single account, with no risk to the capital and available at once.” A PEA cannot fund a cushion.

4. Save.

One account, one goal

Linking an account here takes it away from whichever goal held it: “An account funds one goal at a time.” The application tells you which one it is leaving before you confirm.

How the figure is read back

Once stated, the card reads “Safety cushion, N months covered out of M” and judges the coverage against three bands, which come from the course shipped with the product, at /apprendre:

Months covered	How it reads
Under 3	You are exposed: the first thing to build, before any investment
3 to 9	You are covered
Over 9	That is a lot: part of this savings is asleep

Pick no account and the card cannot say anything: “No account linked: link one to know how many months you really cover.” The months come from the linked account’s balance, not from your net worth.

What else uses it

Two surfaces read these two figures: the emergency-fund tile on the dashboard, and the advice at /conseils, which is where the recommendation to top it up or to stop feeding it comes from. Until the cushion is stated, both can only invite you to state it.