Budget calculator

Our free budget calculator can help you get a clearer picture of your finances. You could identify ways to:

  • make the most of your money
  • build your savings
  • reduce outstanding debts.

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.

Start budgeting

You can use our budget calculator in the app, where you'll find extra tools and support to help you stay on track.

Log on to start budgeting

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

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

Support through difficult times

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

We’re by your side to help you manage your money. With the rising cost of living, our tools and support can help you stay on top of your spending.

Money management

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

Support through difficult times

Choose the account that suits you best. As an alternative to savings, we have included some investment options that you may also like to consider.

Compare savings & investments

We’re by your side to help you manage your money. With the rising cost of living, our tools and support can help you stay on top of your spending.

Money management

Return to expenses

Before you get started, it helps to have your bank statements and bills to hand. This can make completing the calculator quicker and easier.

Simply enter your income and expenses to receive a personalised budget summary. We'll then connect you with useful tools and support that could help you take control of your finances and manage your money with confidence.

To get started, scan the QR code, log in to our app, or use the calculator below.
 

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
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£
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 you get started, it helps to have your bank statements and bills to hand. This can make completing the calculator quicker and easier.

Simply enter your income and expenses to receive a personalised budget summary. We'll then connect you with useful tools and support that could help you take control of your finances and manage your money with confidence.

To get started, scan the QR code, log in to our app, or use the calculator below.
 

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

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

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

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