Emergency Fund Calculator

If your income stopped tomorrow, how long could you survive? Here's how long your savings would actually last — and what a safe buffer looks like for you.

Work out your safety net — no sign-up, nothing saved or shared

What you have

Accessible savings (£)

Cash you could actually reach quickly — not pensions, LISA, or money you'd be penalised for taking

Your essential monthly costs only what you couldn't avoid

Rent / mortgage (£)

Council tax (£)

Utilities & water (£)

Food & essentials (£)

Transport (£)

Insurance (£)

Phone & broadband (£)

Minimum debt payments (£)

Loans, credit cards you must keep paying

Other essential costs (£)

Childcare, medication, anything you genuinely couldn't cut

Your situation

Job security

Affects how big a buffer is sensible for you

Dependents relying on your income?

Monthly amount you could add to savings (£)

To work out how long to reach a safe buffer

If your income stopped, you could survive

—

on essential costs only

Your recommended buffer

Sensible buffer for you—

You have—

Gap to close—

0Your target

Getting there —

Your essential monthly costs

Housing—

Council tax—

Utilities & water—

Food & essentials—

Transport—

Insurance—

Phone & broadband—

Debt payments—

Other—

Total to survive each month—

What this means Enter your details above.

For illustrative purposes only. Not financial advice.
A common guide is 3–6 months of essential costs, more if your income is less secure.