Emergency Fund Calculator
Use this emergency fund calculator to plan monthly savings for a rainy day buffer. PacePot helps you track the goal manually and keep it separate from holidays, cars, or other targets.
Open the free PacePot calculatorHow it works
Pick an emergency fund target, add what you already have, and choose a date. PacePot shows the monthly amount needed and lets you compare what-if saving amounts.
- Track your safety buffer separately.
- Keep the target realistic against monthly income and outgoings.
- Add contributions whenever you move money aside.
Practical examples
Saving £100 per month reaches this in about 10 months.
Saving £250 per month reaches this in about one year.
Use a separate target for car repairs, dental costs, or home fixes.
Emergency fund FAQ
How much emergency fund should I have?
There is no single answer. Choose a target that feels useful and achievable for your situation.
Should emergency savings be separate?
Many people prefer tracking it separately so it does not get mixed into holiday or car savings.
Is PacePot financial advice?
No. It is a calculator and tracker to help organise savings targets.
Build your safety buffer
Open PacePot and create an emergency fund target that fits your budget.
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