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Money & savings · Your inputs

Emergency fund calculator UK

Set a personal emergency savings target using essential monthly spending and months of cover. See the gap between your chosen target and savings already available.

Enter your figures

Your estimate

Your emergency fund target

£4,500.00
Still to set aside£3,500.00
Coverage chosen3 months

Choose the coverage period that suits your circumstances. Does not prescribe a recommended fund size or account.

How the emergency fund calculator uk works

Target = essential monthly spending × coverage months. Gap = max(0, target − savings).

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

Read about data coverage and updates

Worked example: emergency fund

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Essential monthly spending (£)
1,500
Months you want to cover
3
Already available (£)
1,000

Your emergency fund target: £4,500.00

Target = essential monthly spending × coverage months. Gap = max(0, target − savings).

Emergency fund: questions answered

How many months should my emergency fund cover?

The coverage period is your choice, based on your commitments and circumstances. The calculator multiplies the period you enter by essential spending; it does not prescribe a suitable fund size.

Plan the next step

Monthly budget calculator UK: Understand what is left after your everyday spending.

Savings goal calculator UK: monthly target: Find the monthly contribution needed to reach a target.

Browse the money & savings calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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