Emergency Fund

See how much cash you need and how long it takes to build it.

Scenarios

Example: £2,000 monthly essentials, a 3-month target, £0 already saved, and £200 monthly contributions.

Monthly essential expenses

Target months covered3 months

1 months12 months

Current emergency savings

Monthly contribution toward the fund

Advanced

Where is the fund held?

This is a label only. For true emergencies, keep the money where you can reach it quickly. Cash ISAs and Premium Bonds may have access delays or withdrawal limits.

Fund balance vs target

Fund balance Target band

Target fund size

£6,000

3 months of essential expenses at £2,000 per month.

Months to fully funded

30 months

Fully funded by Feb 2029

Progress

£0 of £6,000 saved

Current coverage

0.0 months

How long your current savings would last

Fully funded date

Feb 2029

Based on your monthly contribution

Not financial advice. The calculator assumes no interest on the emergency fund, fixed monthly contributions, and fixed essential spending. Your inputs stay in your browser.

Want to see the formulas, assumptions, and sources behind the numbers? Read the Emergency Fund methodology.