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.

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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.

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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.

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