Work out your budget
Take control of your spending with our new budget calculator. It’ll help you work out where your money goes and see if you can cut some of your bills or start saving more.
If you'd like help managing your finances, or saving for that dream retirement, our qualified life coaches are here to help you achieve your financial goals whatever they might be.
Before you get started
Gather up bills, bank and credit card statements or transaction history (digital or paper) for the last 3 months (or as much as you can).
Try to include cash purchases – and any annual payments, like car insurance – that might not show up on your transaction history, to create a clear picture of you’re spending.
We’ve used the 50-30-20 budget rule as a guide to help you assess your spending. It’s just a guide, but the idea is you should spend 50% of your income on needs (essentials), 30% on wants (non-essentials) and 20% on savings, or paying off debt.
Budget calculator
Use our budgeting tool to help you calculate your monthly spending. It can help you decide if you’re happy with where your money’s going and see where you could make some positive changes.
Budget planner spreadsheet
If you'd like to look at your finances in more detail, you can download our easy-to-use spreadsheet. Don't worry, you don't need to be a whiz on Excel to use this, all you need to do is put in your weekly/monthly amounts and the spreadsheet will do the rest. We also have a good old-fashioned printout option too.
Remember it's better to guess larger than smaller to give yourself a bit of a buffer.
More on money
Money and mental health
Poor mental health can make earning and managing money harder. And worrying about money can affect how you look after your mental health. Check out our tips to help you start a conversation about money today.
Budget-friendly Valentine's Day ideas
Fun, memorable and budget-friendly ideas for Valentine's Day
Cost of living
We’ve pulled together some tips, advice and tools to help you cut costs at home and save your hard-earned cash.
How to manage your money
Money worries are one of the biggest reasons why people ask us for support. To help, we’ve pulled together lots of tips, advice and tools to help you manage your money and minimise your risk of getting into debt.
How to deal with debt
When you don’t have enough money coming in to cover all the things you have to pay out, it can be really worrying. It might not be easy or quick, but debt and financial concerns can be overcome. We share some information and advice on how you can start to get out of debt. Learn more about:
How to eat well on a budget
Lots of people are concerned about the rising cost of their weekly food shop, and are looking at ways they might be able to save money, while still eating well. We've put together some tips to help
Reduce your living costs
Tips, advice and tools to help you reduce your living costs and make big savings. If you're struggling to make ends meet - we can help
At risk or loss of employment
If you're worried that you might lose your job or you have been made redundant, we're here for you. Find out how we can help
Online pension guide
It’s never too early or too late to think about pensions. That’s why we’ve put together some information to help you plan your pension, whatever stage of life you’re at
Everything you need to know about pensions in under 7 minutes
Pensions can appear complicated, but with our handy guide you'll know everything you need to pension-wise in no time