How much should I have in my emergency fund?

Work out your savings goal

Just enter a few details and we'll work out how much to save each month.

This includes utility bills, food and mortgage or rent payments.
£
£
Show my result now

My result

Based on these details, we think you should have an

emergency fund of ##buffer##.

You’re already ##percentage##% of the way there with the savings you have.

What's next?

View our saving tips to find out how you can spend less and save more.

Set up Save the Change® to make the small amounts count too.

Calculate again

My result

Based on these details, we think you should have an

emergency fund of ##buffer##.

Well done. You've already saved this amount.

What's next?

View our saving tips to find out how you can spend less and save more.

Help your money grow with our ready-made investments.

Calculate again

Savings calculations are for illustration purposes only and are not a guarantee of future performance. Actual returns may vary depending on the account, interest rate and your personal circumstances.

Take a look at our other calculators

Work out your total savings
Work out your savings timeline
Work out your monthly savings

You may also like

Save the Change®

Round up payments on your Lloyds debit card and put the difference in a savings account.

Save the Change

Ways to bank

Discover all the ways you can bank with us.

Ways to bank

Island Savings

Explore our range of savings accounts.

Island savings accounts

Island Savings

Explore our range of savings accounts.

Island savings accounts