Money Mind Shift
Emergency Fund Planner
Find out exactly how much you need — and how long it will take to get there.
What are your essential monthly expenses?
Only include things you’d still need to pay if your income stopped.
| Expense | Monthly cost |
|---|---|
| Mortgage / Rent | £ |
| Council Tax | £ |
| Gas & Electricity | £ |
| Water | £ |
| Internet | £ |
| Mobile Phones | £ |
| Insurance | £ |
| Food & Groceries | £ |
| Fuel / Transport | £ |
| Childcare | £ |
| Debt Minimum Payments | £ |
| Other Essentials | £ |
How much protection would help you sleep better?
Choose the level that feels right for your household.
What do you already have saved?
Include any money set aside specifically for emergencies.
How much can you realistically save each month?
Even a small, consistent amount adds up over time.
For guidance only. The results produced by this tool are estimates based on the information you enter and are intended to help you think about your finances — they do not constitute regulated financial advice. Nothing you enter is stored, saved or transmitted. All calculations happen in your browser and are cleared when you leave the page. If you are in serious financial difficulty, please contact StepChange (0800 138 1111) or National Debtline (0808 808 4000) for free, regulated advice.