Rainy day fund calculator

How much should I have in my rainy day fund?

A rainy day fund is money that is set aside for unexpected costs, like car repairs or a broken boiler.

How much you save will depend on your circumstances but you should aim to have three months' worth of essential outgoings in your account. This will give you a financial buffer to fall back on if you need it.

Use our calculator to find out how much you should save in your rainy day fund.

This includes utility bills, food and mortgage or rent payments.
£
£

My results

Based on these details, we think you should have a rainy day fund of ##buffer##.

You’re already ##percentage##% of the way there with the savings you have.

What's next?

View our savings tips to find out how you could save more.

Set up Save the Change® to make the small amounts count too.

My results

Based on these details, we think you should have a rainy day fund of ##buffer##.

Well done. You've already saved this amount.

What's next?

View our savings tips to find out how you could save more.

Help your money grow with our ready-made investments.

Please use the calculator as an estimate. It does not include interest you would earn over time.

Try out our other calculators

Calculate how much you need to put away each month to reach your savings goal or find out the future value of your savings. 

How much do I need to save?

How much could I have?

How long will it take?

Have you thought about investing?

Our straight-forward options could provide a higher return than saving. Choose from our three ready-made funds and let the experts do the rest.

More about investing