Emergency fund calculator
Work out how big your emergency fund should be, how far you are from it, and how many months it will take to get there at what you can save. Free, no sign-up, nothing leaves your browser.
What an emergency fund is for
An emergency fund is money set aside for the unexpected: losing work, a broken boiler, a car repair. Having it means you don't have to borrow on a card or overdraft when something goes wrong. Many people aim for three to six months of essential costs, but the right amount depends on how steady your income is.
Building it up
Count only the essentials: rent or mortgage, bills, food, transport and debt payments. Then save a fixed amount each month, ideally moved automatically on payday into a separate pot so it isn't spent by accident. Keep it somewhere you can reach quickly rather than locked away.
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