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How much cash should you hold?

Everyone needs cash savings

Important - Active Savings helps you make your own decisions and, like this guide, is not personal advice. Seek advice if you're not sure what's right for you. Fixed term products generally only allow access to funds at maturity. Inflation reduces the future spending power of money.

It’s important for all of us to have a safety net to fall back on when the unexpected happens.

But we’re all different. That means the exact amount of money you should keep tucked away will depend on your circumstances and your lifestyle.

This guide looks at how much cash people should consider holding and where they should think about keeping it. It isn’t personal advice based on your circumstances, it’s helpful information to help you plan. If you’re not sure what’s right for you take advice.


This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248.

The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money.

Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142).