Tools
Map monthly take-home income against regular and irregular spending to see your buffer or shortfall.
Start with your monthly take-home income, then add regular and irregular spending.
View as
Your take-home pay after tax and deductions.
Monthly surplus
£700.00
Total income
£2,800.00
Total spending
£2,100.00
Monthly surplus
£700.00
Surplus as % of income
25.0%
Chart view
Enter larger less frequent costs. We convert them to a monthly amount to set aside.
Optional — default is fully unallocated. Allocations do not move money automatically.
Scenario illustrations only — your base budget is unchanged unless you edit it.
Save different budgets and compare changes in income, spending and monthly surplus.
This planner is for budgeting estimates only. It does not assess affordability, creditworthiness or whether a financial product is suitable for you. Your actual income and spending may vary from month to month.
Learn how to budget
Read practical guides on managing spending, irregular costs and monthly budgeting.
Explore budgeting guides →Looking to create a buffer or work towards savings goals? Explore savings guides →
Find ways to reduce costs
Explore guides on household bills, subscriptions and everyday spending.
Explore Cut Bills & Save Money →Explore tools to model savings or investments. Nothing here is a recommendation.
Related
Links are chosen from this category’s registry — not a generic keyword dump.