Emergency Fund Calculator

Plan your savings with our
emergency fund calculator

Enter your essential monthly costs and a few details about your situation. You'll get a suggested emergency fund range in pounds.

Your essential monthly expenses

Include essentials (e.g. housing, bills, food, transport, debt minimums, childcare).

Income stability

More variable income usually means a bigger buffer.

Do you financially support dependents

Housing situation

Any high interest debt you're currently paying?

If yes, building a smaller buffer first and tackling the debt is often higher priority.

Your emergency fund range

Based on your inputs, a sensible target is:

— months of essentials£ —

Lower end buffer

Upper end resilient buffer

How we’re thinking about it

Enter your essential monthly expenses to see a suggested range.

Minimum rule of thumb

As a general guideline, many people aim for a minimum emergency fund of around £3,000, even if the calculated range is lower.

*Education only. This suggests a cash buffer from your essential monthly costs and situation. It is not a personal recommendation, and it does not account for insurance, benefits, or debts you already have.

Plan your savings with our emergency fund calculator

How we’re thinking about it

Minimum rule of thumb

Feel confident about Investing

Plan your savings with our
emergency fund calculator