Budget calculator

Our free budget calculator is created to help you stay on top of your spending.

By using our budget calculator, you may be able to save more each month, lower your debts and prepare for the future.

  • Start by filling out details of your regular income and any incoming payments.
  • You’ll also need to tell us about any money going out of your account.
  • Once complete, you’ll get a full overview of your income and spending.

We’ll also provide links to tools and support made 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

Keeping on top of your money can be tough, particularly with the current rising cost of living impacting many of us - here's how we can help.

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##

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

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.
 

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
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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

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.
 

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

 

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

  • Eating out
  • Streaming services
  • Hobbies
  • Gym memberships
     
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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 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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