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How much should you save?
As a rule of thumb, businesses should have between three to six months’ worth of working capital in savings to protect you if your income suddenly stops.
It's common for overheads and expenses to fluctuate throughout the year. For this reason, it’s best to work out an average across the year and work out a realistic savings goal based on that.
Many businesses also have a separate account for more low-key unexpected expenses, such as repairs. This sum can be deposited into a business current account* or savings account* for you to dip into whenever you need to without impacting your larger savings target.
The key thing is to get started. When you learn how to save as a business, reaching your goals will become much easier. Even if you’re only able to set aside a relatively small amount each month, your savings will build up over time.
* Specific account eligibility criteria and conditions apply
Related content
Want to know more about business banking or the benefits of opening a savings account? Take a look at these other helpful guides from NatWest:
* Specific account eligibility criteria and conditions apply
Contact us
Want more support with business savings accounts?
Chat to us online using our digital assistant Cora available 24/7.
For basic banking support, you can contact us on 0345 711 4477 – call centres are open 24/7.
If you have lending and other specialist business banking enquiries, our team is available Monday to Friday, 9am to 5pm.