All Calculators
Emergency Fund Calculator
How much emergency fund do you need? Based on your actual monthly expenses.
Monthly expenses
Rent / Mortgage£900
Bills (energy, water, council tax)£250
Food & groceries£350
Transport£150
Insurance£100
Debt repayments£0
Other essentials£100
Monthly expenses£1,850
Target (3 months)£5,550
0% funded£5,550 to go
Guidance
Money Saving Expert and the FCA recommend 3-6 months of essential expenses. Self-employed or single-income households should target 6-12 months.
An emergency fund covers job loss, illness, or unexpected bills. Keep it in an easy-access savings account separate from your current account.
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