An emergency fund is easy-access cash to cover life's surprises — a job loss, a boiler breakdown, a car repair — without reaching for credit. A common target is three to six months of essential outgoings (rent or mortgage, bills, food, transport). This tool sizes your target and shows how much further you have to go.
Build a buffer
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Personal finance book
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Budget planner
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Frequently asked questions
How many months should I save?
Three months is a solid start; six is safer, especially with a single income or variable earnings. Self-employed people often aim higher.
Where should I keep it?
In an easy-access savings account — safe, separate from your current account, and reachable within a day or two when you need it.