Emergency fund calculator

How much should I have in my emergency fund?

An emergency fund is money that you’ve saved for unexpected bills and costs. 

How much you put aside will depend on your circumstances. The recommendation is to have three months' worth of essential outgoings in your account to fall back on. This will give you a financial buffer if you need it.

Use our calculator to find out how much you should save in your emergency fund.

This includes utility bills, food and mortgage or rent payments.
£
£

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.

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.

Please use the calculator as an estimate. It does not include interest you would earn over time.

Take a look at our other calculators

Work out how much you need to save every month to reach your goal. You can also find out how long it will take you to reach your savings target. 

How much do I need to save?

How long will it take?

How much could I have?

Have you thought about investing?

Our straight-forward options could provide a higher return than saving. Choose from our three ready-made funds and let the experts do the rest.

More about investing