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How much cash should I hold?

How much cash should you hold?

Everyone needs cash savings

Important - This guide contains helpful information about how much cash people should consider holding to help you make informed decisions. Active Savings and this guide are not personal advice based on your individual circumstances. Fixed rate products generally only let you access your savings when the term ends. Inflation reduces the future spending power of money. If you're not sure what's right for you, seek advice.

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 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).