Guide · Savings
Emergency funds and accessible cash
Keep some money you can reach quickly so a surprise bill doesn’t force you to sell investments or borrow.
A common rule of thumb is three to six months of essential spending in easy-access cash. Retired households often keep more.
Money in fixed-term accounts or pensions isn’t instantly available.
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FLYNQD provides planning illustrations and general information, not personalised financial advice. Forecasts depend on the figures and assumptions used.