Plan your monthly budget by entering income and expenses across all categories to see your surplus or shortfall.
All calculations are done in your browser — nothing is transmitted. Save uses local browser storage only.
Enter monthly income
Use take-home (net) pay after income tax, National Insurance, pension and student loan deductions. Include any side income, benefits or regular interest.
List essential expenses
Add housing (rent/mortgage), council tax, energy, water, broadband, food, transport, insurance, childcare and minimum debt repayments. These form the needs portion of 50/30/20.
List discretionary spending
Include subscriptions, eating out, entertainment, holidays, hobbies and gifts. The planner shows whether these fit the 30% wants allocation.
Add savings and goals
Enter pension contributions, ISA payments, emergency fund top-ups and any extra debt overpayments. Aim for at least 20% of take-home pay.
Review the surplus/shortfall
The planner shows monthly surplus or shortfall and how spending splits against 50/30/20. Adjust categories and rerun the calculation each month.
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Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.