Free financial calculator
Emergency Fund Calculator
Set an emergency cash target and estimate when you could reach it.
Use the calculator ↓Adjust the assumptions
Emergency Fund Calculator
Set an emergency cash target and estimate when you could reach it.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
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Questions answered
What this calculator helps you work out
- How much should I aim to hold in an emergency fund?
- How many months of essential expenses do my savings currently cover?
- How long could it take to reach the target?
Common questions
Emergency Fund Calculator FAQs
What expenses should I include?＋
Include costs you would still need to pay during an income interruption, such as housing, utilities, food, insurance, transport and minimum debt payments.
Where should an emergency fund be kept?＋
People commonly prioritise accessibility and capital stability, but the appropriate account depends on local protection rules and personal circumstances.
Is the calculated target a rule?＋
No. Job security, dependants, insurance and access to other funds can justify a higher or lower buffer.
Go beyond the result
How Much Emergency Fund Do I Need?
See a worked example, the trade-offs to consider and the assumptions that can change the answer.