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Budget planner (UK)
Use this simple tool to list your income, expenses and savings so you can see a basic monthly budget snapshot. We don’t store your entries; everything stays on your device. Once you have a clearer picture of your monthly cashflow, you may want to explore our Snowball vs Avalanche tool to plan your debt repayment strategy, try the Monthly payment estimator to see how much a loan might cost each month, or check your debt‑to‑income ratio to gauge affordability.
Add your income and expenses
Enter your monthly income and expense details below.
Income sources
Expenses
Savings
Budget summary
Total income
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Total expenses
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Total savings
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Monthly balance
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Your budget breakdown
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Frequently asked questions
What counts as income?
Include all of your regular monthly income such as salary or wages, benefits, pensions, freelance earnings and any other funds that come in each month. Use post‑tax figures for the most accurate picture. For more budgeting approaches, see our guide to budgeting methods.
Which expenses should I include?
Add all of your monthly outgoings, from rent or mortgage and utility bills to groceries, transport, subscriptions and entertainment. Being as thorough as possible will give you a clearer view of your budget. Our budgeting methods guide has tips on categorising expenses.
What should I enter under savings?
Use the savings section to record money you regularly put aside, such as into an ISA, stocks & shares ISA, savings account, shares or other investments. This helps track how much of your income is going towards building wealth. You might also enjoy our article on small wins to save money.
Is my data stored or shared?
No. The budget planner runs entirely in your browser. Nothing you type is sent to us or saved on our servers. Read our privacy policy for more details. Downloading your budget simply creates a file on your device.
Related tools
Explore our other calculators to manage debt and plan your finances:
- Snowball vs Avalanche – compare two popular methods for paying off multiple debts.
- Monthly payment estimator – model how loan amount, interest rate and term affect your monthly payment.
- Debt‑to‑income check – see how your debt payments compare to your income.
Need more general information about formal debt solutions?
If you're struggling with debt, you may want to learn more about options like DMPs, IVAs or DROs. You can read impartial guidance at MoneyHelper or speak to a free debt charity such as StepChange, National Debtline or Money Advice Trust.
Some links on this site are affiliate links. If you click through and choose to act on the information provided, we will receive a commission at no extra cost to you. General information only; not financial advice.
This tool is general information only and does not constitute financial advice. Always speak to an FCA-regulated adviser or free debt charity before making decisions about debt solutions.