Emergency Fund Calculator

Find out how much to keep in your emergency fund based on your monthly outgoings and employment type, and how long it will take to build it.

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Most UK financial advisers suggest 3-6 months of essential outgoings for employed individuals (Universal Credit and Jobseeker's Allowance provide some backstop) and 6-12 months for self-employed workers. Keep the fund in an easy-access savings account - not investments. Review annually as your outgoings change.