{ "table": "emergency-fund-calculator-rules", "schema": 1, "version": "2026-11-11.1", "title": "Emergency fund: guidance, savings-account ceilings and deposit protection, France and United Kingdom", "doc": "Rule table read by the emergency-fund-calculator handler (ctx.data['emergency-fund-calculator-rules']). The fund itself is pure arithmetic (a monthly amount × a number of months, less what is already saved); no law sets its size. This table holds only the outside values the handler compares a target with, each with its source: France, the Banque de France's financial-education guidance on how many months of income a precautionary fund usually covers, and the deposit ceilings of the two regulated passbooks that usually hold one (livret A, LDDS); United Kingdom, the FSCS deposit protection limit per person and per authorised bank, building society or credit union. No UK public body's figure for the number of months could be confirmed from an official page on 2026-11-11, so the GB entry has no guidance and the handler gives none. `notes` hold values the page copy quotes and the handler does not read, so that they are dated in one place. Amounts are decimal strings in major units. Table-level valid_from/valid_until bound the period during which this version may be relied on: the UK figures quoted in the notes are those of the 2026-27 tax year, which ends on 5 April 2027. Entry-level valid_from/valid_until bound each value; a null valid_until means in force until changed; a null valid_from means the start date was not verified for this table. source_url is the primary source, source_date that source's own date (or the date it was read, when the page shows none), retrieved the date the value was read there.", "reviewed_on": "2026-11-11", "reviewed_by": "apps-calculators agent (automated research against official sources, 2026-11-11); owner review pending", "valid_from": "2026-11-11", "valid_until": "2027-04-05", "locale_country": { "fr-FR": "FR", "en-GB": "GB" }, "countries": { "FR": { "name": { "fr-FR": "France", "en-GB": "France" }, "currency": "EUR", "guidance": { "id": "fr-bdf-months", "basis": "income", "min_months": 2, "max_months": 6, "usual_months": 3, "less_protective_basis": "spending", "publisher": { "fr-FR": "Banque de France, Mes questions d’argent", "en-GB": "Banque de France, Mes questions d’argent" }, "quote": "Bien qu’il soit difficile d’évaluer les cas particuliers, il est admis que le montant de l’épargne de précaution corresponde à l’équivalent de 2 à 6 mois de revenus et plus généralement à 3 mois. Ce montant peut être déterminé selon une autre méthode qui consiste à compter non pas en revenus mais en mois de dépenses essentielles (loyer, assurances, abonnements, alimentation…). Ce mode de calcul est moins protecteur et n’est pas forcement adapté à toutes les personnes.", "valid_from": "2025-08-17", "valid_until": null, "source_url": "https://www.mesquestionsdargent.fr/epargne-et-placements/epargne-de-precaution", "source_date": "2025-08-17", "retrieved": "2026-11-11" }, "ceilings": [ { "id": "livret-a", "amount": "22950", "name": { "fr-FR": "livret A", "en-GB": "Livret A" }, "applies_to": { "fr-FR": "Plafond des dépôts d’une personne physique ; les intérêts peuvent le dépasser.", "en-GB": "Deposit ceiling for an individual; interest may take the balance above it." }, "legal_basis": "Code monétaire et financier, articles L221-1 à L221-8 et R221-1 à R221-7", "valid_from": null, "valid_until": null, "source_url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2365", "source_date": "2026-08-01", "retrieved": "2026-11-11" }, { "id": "ldds", "amount": "12000", "name": { "fr-FR": "LDDS", "en-GB": "LDDS" }, "applies_to": { "fr-FR": "Plafond des dépôts du livret de développement durable et solidaire ; les intérêts peuvent le dépasser.", "en-GB": "Deposit ceiling of the sustainable development passbook (livret de développement durable et solidaire); interest may take the balance above it." }, "legal_basis": "Code monétaire et financier, article L221-27 et articles D221-103 à D221-107", "valid_from": null, "valid_until": null, "source_url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2368", "source_date": "2026-08-01", "retrieved": "2026-11-11" } ], "deposit_protection": null, "notes": [ { "id": "fr-livrets-tax-free", "text": { "fr-FR": "Les intérêts du livret A et du LDDS sont exonérés d’impôt sur le revenu et de prélèvements sociaux.", "en-GB": "Interest on the Livret A and the LDDS is free of income tax and social charges." }, "valid_from": null, "valid_until": null, "source_url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2368", "source_date": "2026-08-01", "retrieved": "2026-11-11" } ] }, "GB": { "name": { "fr-FR": "Royaume-Uni", "en-GB": "United Kingdom" }, "currency": "GBP", "guidance": null, "ceilings": [], "deposit_protection": { "id": "gb-fscs-deposit-limit", "amount": "120000", "name": { "fr-FR": "plafond de garantie des dépôts du FSCS", "en-GB": "FSCS deposit protection limit" }, "applies_to": { "fr-FR": "Par personne et par banque, building society ou credit union agréée au Royaume-Uni ; des banques d’un même groupe qui partagent un agrément comptent pour une seule.", "en-GB": "Per eligible person, per UK-authorised bank, building society or credit union; banks of one group that share a banking licence count as one." }, "legal_basis": "PRA Rulebook, Depositor Protection Part, as amended by PRA policy statement PS24/25 (HM Treasury approval under the Deposit Guarantee Scheme Regulations 2015); applies to failures on or after 1 December 2025", "valid_from": "2025-12-01", "valid_until": null, "source_url": "https://www.bankofengland.co.uk/prudential-regulation/publication/2025/november/depositor-protection-policy-statement", "source_date": "2025-11-18", "retrieved": "2026-11-11", "see_also": "https://www.fscs.org.uk/what-we-cover/banks-building-societies-credit-unions/" }, "notes": [ { "id": "gb-personal-savings-allowance", "text": { "fr-FR": "Franchise d’impôt sur les intérêts (Personal Savings Allowance) : 1 000 £ pour un contribuable au taux de base, 500 £ au taux supérieur, 0 £ au taux additionnel, par année fiscale (6 avril au 5 avril).", "en-GB": "Personal Savings Allowance: £1,000 of interest for a basic rate taxpayer, £500 for a higher rate taxpayer and £0 for an additional rate taxpayer, each tax year (6 April to 5 April)." }, "amounts": { "basic": "1000", "higher": "500", "additional": "0" }, "valid_from": "2026-04-06", "valid_until": "2027-04-05", "source_url": "https://www.gov.uk/apply-tax-free-interest-on-savings", "source_date": "2026-09-30", "retrieved": "2026-11-11" } ] } }, "sources": [ { "label": "Mes questions d’argent (Banque de France): Une épargne de précaution : pourquoi et comment faire ?", "url": "https://www.mesquestionsdargent.fr/epargne-et-placements/epargne-de-precaution", "date": "2025-08-17" }, { "label": "Service-Public.fr: Livret A (checked 1 August 2026)", "url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2365", "date": "2026-08-01" }, { "label": "Service-Public.fr: Livret de développement durable et solidaire (LDDS) (checked 1 August 2026)", "url": "https://www.service-public.gouv.fr/particuliers/vosdroits/F2368", "date": "2026-08-01" }, { "label": "Bank of England, PRA: PS24/25 Depositor protection", "url": "https://www.bankofengland.co.uk/prudential-regulation/publication/2025/november/depositor-protection-policy-statement", "date": "2025-11-18" }, { "label": "GOV.UK: Tax on savings interest", "url": "https://www.gov.uk/apply-tax-free-interest-on-savings", "date": "2026-09-30" } ] }