Free UK Tool

Budget Planner

Add your income and expenses, see your savings rate and where your money actually goes.

Income
Total Monthly Income £0
Expenses
Total Monthly Expenses £0
Monthly Surplus
£0
After all expenses
Savings Rate
0%
Of gross income
Annual Surplus
£0
If consistent
Expenses Ratio
0%
Of income spent
Expense Breakdown

How to Use the Budget Planner

Add all your income sources — salary, freelance income, rental income, benefits — then list every regular monthly expense. The planner automatically calculates your surplus or deficit, savings rate, and shows which expenses take the biggest share of your income.

A common budgeting rule is the 50/30/20 rule: 50% of income on needs, 30% on wants, and 20% on savings. While this isn't right for everyone, it's a useful starting point to benchmark against.