Budget calculator

Our free budget calculator is designed to help you manage your money.

Using our budget calculator might help you make extra savings each month, reduce your debts and prepare for the future.

  • Start by filling out details of your regular income and any payments you receive.
  • You’ll then need to tell us about any expenses that leave your account.
  • Once complete, you’ll get an overview of your income and spending.

We’ll also share links to products and support designed to help you budget and save.

This tool does not provide legal, tax or financial advice. It is to be used as a guide. We cannot guarantee the accuracy of the tool and are not liable for your use of the tool.

Money worries

If you are struggling with your finances, or worried about the increased cost of living, you are not alone. We are here to help you get back on track.

Money worries

Summary

Based on the information you have entered, you have: 

##monthly_balance##

...remaining once all of your expenses are paid.
 

Your budget summary

Total Income

Total essential

Total non-essential

Total other expenses

##total_income##

##total_cat1##

##total_cat2##

##total_cat3##

How we can help

Get support with your money worries

If you are struggling with your finances, or worried about the increased cost of living, you are not alone.

We are here to help you get back on track.

Get support with your money worries

Other ways we can help

If you are struggling with your payments and don’t bank online or would like to know your options, we have support available.

Find out how we can help

Managing your money

We have a range of support available if you’re looking for better ways to manage your money. From day to day budgeting to planning for the future, we have information, tips and tools to support you.

Money management

Get support with your money worries

If you are struggling with your finances, or worried about the increased cost of living, you are not alone.

We are here to help you get back on track.

Get support with your money worries

Make the most of your money

Savings accounts offer a low-risk and accessible way to look after your money. If you are looking to make some of your money work harder, you might also consider investing.
 

Compare savings & investments

Savings & investments explained

Manage your money

We have a range of support available if you’re looking for better ways to manage your money. From day to day budgeting to planning for the future, we have information, tips and tools to support you.
 

Money management

Return to expenses

Before starting, we’d recommend having bank statements and bills to hand, which can help speed up filling out the calculator. Start by entering your income, followed by your expenses to receive a summary of your budget.

It should take around 10 minutes to complete.
 

Income


This could include monthly income from the following:
 

  • Your salary (after tax)
  • Self-employment or part-time work
  • Pensions or annuity
  • Benefits and tax credits
  • Investments or property rentals
£
Add another income
£
Add another income Clear entry
£
Add another income Clear entry
£
Add another income Clear entry
£
Clear entry

Monthly income overview

Total Income

##income_1_name##

##income_2_name##

##income_3_name##

##income_4_name##

##income_5_name##

##total_income##

##income_1_value##

##income_2_value##

##income_3_value##

##income_4_value##

##income_5_value##

Edit your income
Continue to expenses

Before starting, we’d recommend having bank statements and bills to hand, which can help speed up filling out the calculator. Start by entering your income, followed by your expenses to receive a summary of your budget.

It should take around 10 minutes to complete.
 

Expenses

Include any regular monthly outgoing costs here. The three main categories will help you record where your money goes and how you are spending it.

This includes any payments you need to make. Examples might include:

  • Mortgage or rent payments
  • Food and groceries
  • Bills and insurance

 

£
Add another expense
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Clear entry Add another expense
£
Remove income

This includes any expense that you can live without. Examples might include:

  • Eating out
  • Streaming services
  • Hobbies
  • Gym memberships
     
£
Add another expense
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Remove Income

This is anything else that you spend money on each month. Examples might include:

  • Loan or credit card repayments
  • Regular savings
  • Shares and investments
     
£
Add another expense
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Add another expense Clear entry
£
Clear entry

Monthly expenses overview

Total essential

##cat1_1_name##

##cat1_2_name##

##cat1_3_name##

##cat1_4_name##

##cat1_5_name##

##cat1_6_name##

##cat1_7_name##

##cat1_8_name##

##cat1_9_name##

##cat1_10_name##

##cat1_11_name##

##cat1_12_name##

##cat1_13_name##

##cat1_14_name##

##cat1_15_name##

##total_cat1##

##cat1_1_value##

##cat1_2_value##

##cat1_3_value##

##cat1_4_value##

##cat1_5_value##

##cat1_6_value##

##cat1_7_value##

##cat1_8_value##

##cat1_9_value##

##cat1_10_value##

##cat1_11_value##

##cat1_12_value##

##cat1_13_value##

##cat1_14_value##

##cat1_15_value##

Edit your expenses

Monthly expenses overview

Total non-essential

##cat2_1_name##

##cat2_2_name##

##cat2_3_name##

##cat2_4_name##

##cat2_5_name##

##cat2_6_name##

##cat2_7_name##

##cat2_8_name##

##cat2_9_name##

##cat2_10_name##

##cat2_11_name##

##cat2_12_name##

##cat2_13_name##

##cat2_14_name##

##cat2_15_name##

##total_cat2##

##cat2_1_value##

##cat2_2_value##

##cat2_3_value##

##cat2_4_value##

##cat2_5_value##

##cat2_6_value##

##cat2_7_value##

##cat2_8_value##

##cat2_9_value##

##cat2_10_value##

##cat2_11_value##

##cat2_12_value##

##cat2_13_value##

##cat2_14_value##

##cat2_15_value##

Edit your expenses

Monthly expenses overview

Total other expenses

##cat3_1_name##

##cat3_2_name##

##cat3_3_name##

##cat3_4_name##

##cat3_5_name##

##cat3_6_name##

##cat3_7_name##

##cat3_8_name##

##cat3_9_name##

##cat3_10_name##

##cat3_11_name##

##cat3_12_name##

##cat3_13_name##

##cat3_14_name##

##cat3_15_name##

##total_cat3##

##cat3_1_value##

##cat3_2_value##

##cat3_3_value##

##cat3_4_value##

##cat3_5_value##

##cat3_6_value##

##cat3_7_value##

##cat3_8_value##

##cat3_9_value##

##cat3_10_value##

##cat3_11_value##

##cat3_12_value##

##cat3_13_value##

##cat3_14_value##

##cat3_15_value##

Edit your expenses

Have you added all your
Non-essential & Other expenses?

Return to income Continue to summary