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SavingEnter your essential monthly outgoings and pick how stable your household income is. This calculator recommends a target emergency fund and shows how long it'll take to build with monthly saving.
Runs entirely in your browser — your numbers are never sent to a server.
| Situation | Recommended cover |
|---|---|
| Dual-earner household, both stable jobs | 3 months |
| Single-earner household, stable job | 3–6 months |
| Commission/bonus-dependent income | 6 months |
| Self-employed / freelance | 6–12 months |
| Very variable industries (hospitality, seasonal) | 9–12 months |
General guidance based on widely-accepted UK personal finance principles. Individual situations vary — consider your own risk tolerance, debt situation and dependants.