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##

It is important to deal with your money worries as soon as you can. If you are struggling with your payments and would like to know your options, we have support available.

Money worries support

 

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

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

If you are ever worried about your money, it’s important to find help as soon as you can. If you are struggling with your payments and would like to know your options, we have support available.

Money worries support

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

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

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
£
£
£
£
£

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##

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

 

£
£
£
£
£
£
£
£
£
£
£
£
£
£
£

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

  • Eating out
  • Streaming services
  • Hobbies
  • Gym memberships
     
£
£
£
£
£
£
£
£
£
£
£
£
£
£
£

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

  • Loan or credit card repayments
  • Regular savings
  • Shares and investments
     
£
£
£
£
£
£
£
£
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Monthly expenses overview

Total esssential

##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##

Monthly expenses overview

Total non-esssential

##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##

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##