Work out your emergency fund

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.

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

See our range of accounts

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 each month?

Tell us your savings target and how long you plan to save for. We can then work out how much you'd need to set aside each month to reach your personal savings goal.

Calculate your monthly savings

How much can I realistically save?

Work out how much your monthly savings could add up to. Just tell us how much you've already saved, how much you can set aside each month and how long you plan to save for.

Calculate your total savings

How long will it take to reach my savings goal?

Tell us how much you've already saved and how much you can set aside each month. We'll then work out how long it will take to reach the savings goal you've set yourself.

Calculate savings timeline

Explore your options

We want to make sure you know about our other options. Here’s one that might suit you.

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

You may also like

Savings help and guidance

Explore various saving methods and key factors to consider for future planning.

Savings guidance

Personal Savings Allowance

Based on your tax band, you can earn up to £1,000 in tax-free interest annually with your Personal Savings Allowance (PSA).

Save tax free

Savings accounts

We offer a range of flexible accounts, with minimum deposits starting from as little as £1.

Ways to save

Savings accounts and ISAs

Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.

View our savings accounts

Savings accounts and ISAs

Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.

View our savings accounts