For years I just roughly estimated what was left at the end of the month. It was almost always less than I thought. This calculator helps you map out your income and expenses properly and see where the real savings potential is hiding.
Enter your income and expenses – and see how much is left at the end of the month
The 50-30-20 rule is a tried-and-tested guideline: 50% for essential needs (rent, groceries, transport, insurance, utilities), 30% for personal wants (leisure, subscriptions, shopping, restaurants) and 20% for saving and debt repayment. The budget calculator checks your entries against these targets and shows you a traffic-light rating for each category.
Tip: Use the savings potential analysis to find specific subscriptions or fixed costs that can be reduced. Even small monthly savings of £20–50 add up to £240–600 per year – money you can invest directly into an ETF savings plan.
⚠️ All calculations are for guidance only. Not a substitute for professional financial advice.