Start planning with our FREE & handy budget planner
Do I spend more than I earn?
What can I afford to spend?
How much can I save?
What spare income do I have?
Our free budget calculator and analysis tool will help you see how much money you’ve got coming in and what you are spending each month. It will give you handy tips and work out specific areas of budgeting, so you can keep track of your finances from household bills to savings.
You can also use it to prepare to help you get a loan, mortgage or get out of debt.
Get started
Single analysis
This is your budget planner, so include your income and what YOU personally pay towards your expenses, even if you have a partner.
Joint analysis
If you want to include your partner’s income because you share expenses, then ADD employment (or ADD their income in the relevant box) and complete the budget planner with the TOTAL amount paid in expenses each month.
Hit the save button at the end of the form if you run out of time and come back later
A great tip for budgeting is to use the 50/30/20 rule. This rule provides a simple and effective framework for managing your finances:
50% for Essentials (Needs): Allocate 50% of your income towards essential expenses. This includes things like rent or mortgage, utilities, groceries, transportation, and insurance. These are necessities you can't easily do without.
30% for Lifestyle Choices (Wants): Reserve 30% of your income for discretionary spending. This covers non-essential expenses like dining out, entertainment, hobbies, and non-essential shopping. It's where you have some flexibility to enjoy life.
20% for Savings and Debt Repayment: Dedicate 20% of your income towards savings and paying down debt. This can include contributions to an emergency fund, retirement accounts, and paying off credit card balances or loans. This is crucial for long-term financial stability.
Budget Planner Disclaimer
The following budget planner is provided for informational purposes only and is intended to assist in organizing and tracking personal finances. It does not constitute financial advice, and any decisions made based on this planner are at your own discretion.
Please be aware of the following:
General Nature of Information: The budget planner is a tool designed to help you manage your finances. It does not take into account individual financial circumstances, goals, or objectives.
No Professional Advice: This budget planner is not a substitute for professional financial advice. Consult with a qualified financial advisor before making any significant financial decisions.
Accuracy and Completeness: While we strive for accuracy, the information in this planner may not always be up-to-date or comprehensive. You waive us from any liability of inaccuracy. No warranty of accuracy is given It is recommended to verify any information with reliable sources.
Assumptions and Estimates: The budget planner may involve assumptions and estimates about future events, income, and expenses. Actual results may vary.
Limitation of Liability: We shall not be liable for any loss or damage arising from the use of this budget planner, including but not limited to direct, indirect, special, or consequential damages.
Modifications: We reserve the right to modify, update, or remove any part of this budget planner without notice.
Privacy and Security: Exercise caution when inputting sensitive financial information. Ensure you are using a secure and private connection.
By using this budget planner, you acknowledge that you have read and understood this disclaimer. If you do not agree with any part of this disclaimer, please refrain from using the planner.