Emergency Fund Calculator: How Much Do You Need?
THE DRYDEN / MONEY TOOLS SPEND SMARTER
EMERGENCY FUND CALCULATOR
A safety net.
Sized for you.
Work out how much you need in an emergency fund to cover essential costs, and how long it will take to build it.
Building it up? Set a monthly plan to reach the target.
Savings goal calculatorBEHIND YOUR NUMBER
A little understanding
goes a long way.
How many months should I save?
A common guide is 3–6 months of essential spending. Aim for more if you are self-employed, the only earner, or your job is less secure.
What counts as essential?
Housing, energy, council tax, food, transport, insurance and minimum debt payments. Leave out things you could pause in an emergency.
Is this financial advice?
No. These are estimates to help you plan and compare options. Rates, fees and tax rules change, so check the details with your provider or an independent financial adviser before making decisions.
YOUR MONEY. A CLEARER PLAN.Calculations happen on your device.