Automatischer Sparplan-Planer

Act as a personal financial planner. I want to build an automatic savings system that does not depend on willpower. My monthly net income is: [amount] My monthly fixed expenses are: [amount] Current savings: [amount] Main goal: [emergency fund / travel / investing / home purchase / debt repayment] Design a savings hierarchy that includes: My first emergency savings goal A long-term emergency fund covering 3 to 6 months of expenses A recommended automatic savings percentage The ideal transfer frequency The best account type for each savings goal Rules to avoid touching the money A plan to gradually increase my savings rate over time Include projections for small, moderate, and aggressive monthly contributions.