Budget Planner

Balancing your monthly budget doesn't have to be a hassle – just use our Budget Planner to figure out how much you've got coming in and going out every month.

From utility bills to pensions, we make it easy to enter your monthly income and outgoings, and once you're done you'll have a good idea of whether you're safely in the black, or need to cut back on a few luxuries.

How it works

Money coming in each month

Fill in the amount of money you usually have coming in each month.

Money going out each month

This is the total amount you have going out each month – including all your bills and living costs.

Pay as you go

This section is for more flexible costs that tend to vary each month, like grocery shopping, meals out and occasional bills.

Money coming in each month

Fill in the amount of money you usually have coming in each month from these sources. If there is any other income you don't receive regularly, just estimate it and add it under "any other sources of income".

Please complete this field

Money going out each month regular payments

These are payments you make on a regular basis, like household bills, savings contributions and any other payments you make for ongoing services.

Bills

Enter the amount you pay each month for the following bills. If you make some payments - like utilities - annually or quarterly, just divide the amount you normally pay by the number of months (eg, divide a quarterly gas bill of £270 by three to get £90).

Savings

Enter the amount you put away each month for the following things:

Pay as you go

This section is for more flexible costs that tend to vary each month, like grocery shopping, meals out and occasional bills. It might help to check your receipts, or note down how much you spend on these things for a month to get a more accurate estimate.

Living costs

Enter the amount you usually pay each month for the following living costs.

Your total spend

This is the total amount you have going out each month – including all your bills, savings and living costs.

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How does your budget balance out?

Congratulations

You manage to finish each month with more coming in than you spend, putting your budget comfortably in the black. If you're earning a lot more than you spend, you might want to think about putting more towards savings so you can grow your money – have a look at the advice section for more details.

You're in the red

The details you entered suggest that you spend more each month than you have coming in. This might not be a problem at first if you have savings to fall back on, but if possible you should try to balance your budget to get yourself into positive territory. Take a look at the advice section for some hints and tips on how you can do this.

Get saving advice