All tools & templatessave From numbers to a next step
Emergency fund & savings goals
Start with essential costs, choose a target and break the gap into affordable steps.
Try it here
Put a number on your cushion.
Use essential monthly costs, then choose a reserve size that suits your circumstances. A smaller first milestone is a useful place to begin.
Showing a fictional example. Replace the numbers with your own.
These figures stay in this page. Download them before leaving.
Make it useful in real life.
- 01
Work out your essential costs, including required repayments.
- 02
Choose a first target and separate existing savings committed to other goals.
- 03
Check what you can afford to add and revisit the target when life changes.
How this tool works
- Target = essential monthly costs × months of cover. Gap = target − existing savings, with a minimum of zero.
- Time to target rounds up to whole monthly contributions. It assumes no withdrawals, interest or changes in living costs.
- Months of cover is your choice, not a recommendation. Build at a pace you can afford.