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Budget calculator

With our free tool, you might be able to save a little extra each month, cut down your debts and get yourself ready for the future.

To help you with your budgeting and saving, we’ll also share some links for more support or products.

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.

How to complete

1. Your income

Fill out details of any regular income and payments you may receive.

2. Your outgoings

Tell us about any money that leaves your account.

3. Your results

Once you've entered everything, you’ll get an overview of your income and spending.

Summary

Based on the information you have entered, you have: 

##monthly_balance##

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

Total Income

Total essential

Total non-essential

Total other expenses
 

##total_income##

##total_cat1##

##total_cat2##

##total_cat3##
 

How we can help

If you are struggling with your finances, or worried about the increased cost of living, we are by your side through difficult times.

Get support with money worries

If you’re struggling with your finances know that you're not alone – we’re here to help.

Find out how we can help

We have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we’re here to help.

Managing your money

If you’re struggling with your finances know that you're not alone – we’re here to help.

Get support with money worries

Save for this, save for that. We have a range of savings accounts however you want to save.

Compare savings & investments

We have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we’re here to help.

Managing your money
Return to expenses

Having a bank statement to hand might help remind you of regular incomings and outgoings.

At the end you will have the option to print a full overview of your income and spending. We’ll also tell you how we can provide further assistance with your budgeting.

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

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
£
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£
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
£
Clear entry

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
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Add another expense Clear entry
£
Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
£
Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Clear entry

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
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
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Add another expense Clear entry
£
Add another expense Clear entry
£
Clear entry

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

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

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

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