Live tool · runs in your browser
Emergency Fund Calculator
An emergency fund is the difference between a setback and a spiral. This tool helps you size yours honestly: what your real monthly expenses are, how many months of buffer feels right for your life, and — given what you can actually save each month — when you'll get there. No moralising, just numbers.
What it does
- Target buffer in months (you choose)
- Current savings + monthly save rate
- Months until fully funded
- Visual progress bar
- Honest framing — no guilt, no shame
Your real numbers
Where you are + where you're going
Where you stand
Target fund
£5,400
3-month buffer at £1,800/mo
Gap remaining
£4,500
Still to save.
ETA to fully funded
2 yr 6 mo
Progress17% funded
£900£5,400
Solid buffer (3 months)
A widely-cited standard: 3–6 months covers most non-catastrophic life events.
A note on the numbers above: An emergency fund isn't about reaching some "correct" amount — it's about reaching the amount that lets you sleep. If 1 month is what you can manage right now, that's the right target right now. The next 1 comes after that.