Menu

Protect · Calculator 01

Emergency Fund Calculator UK | Savings Runway

Model an income drop, spending changes and an unexpected cost to see when accessible cash may run short.

1 Enter your figures2 Review assumptions3 Explore the result

Your figures

1. Set the scope

Use the same scope for every figure.

2. Cash and monthly cash flow
3. Set an emergency-fund target

The target uses essential monthly spending only and does not reduce the amount for expected income.

4. Test an unexpected expense

Leave at zero to exclude this scenario.

Your entries stay in this tab and are not sent to Money Considered. A shareable link includes only the assumptions shown in its URL.

Selected spending plan

7 monthsThe first modelled shortfall occurs during month 8.
Emergency-fund target£10,8006 months of essential spending
Savings gapNo gapcurrent savings meet the selected target
Essential-only runway1 year
Current savings£12,000
Usable opening cash£10,000
Monthly cash flow-£1,400deficit
MonthsSelected planEssential only
Assumptions used
  • Cash flows are nominal and after tax.
  • Monthly amounts are spread evenly; exact pay and bill dates are not modelled.
  • Inflation and cash interest are omitted; these become more important in longer scenarios.
  • Protected cash remains unavailable throughout.

This is a temporary liquidity estimate based on the figures entered. If you are already missing essential payments, seek free independent debt support through MoneyHelper.

Continue calculating

Grow

Compound Interest

See how an initial amount, monthly contributions, return and inflation could shape long-term wealth.

Open Compound Interest calculator Prioritise

The Next £1

Compare saving, debt repayment, mortgage overpayments and investing using your own priorities.

Open The Next £1 calculator Repay

Debt Freedom

See how repayment order and an additional monthly payment could change the debt-free date and total interest.

Open Debt Freedom calculator

Understand the ideas

Guides related to this calculation