Emergency Fund Calculator

Your emergency fund is the floor everything else in this book stands on. Enter your essential monthly spending, answer a few quick questions about your circumstances, and set your target number of months — the calculator handles the rest, including how long it'll take to get there at your current pace.

Your numbers

Essential monthly spending is your Cash Flow Tracker's "Fixed Essentials" figure from Chapter 2 — housing, food, utilities, insurance, minimum debt payments.

Essential monthly spending

Currently held in your emergency fund

Cash only — kept separate from investments, and easy to access without penalty.

Which of these apply to you? (used only to suggest a target — you set the final number)

Single income household, or the only earner Supporting dependants (children, family members, or similar) Self-employed, contractor, or otherwise variable/uncertain income Very stable, in-demand role with strong job security

Your target (months) 6 months

Emergency fund target

Essential monthly spending × target months

£0

0% fundedheld vs target

Still needed

£0

Months of cover currently held

0.0 months

Saving toward it per month