Budget Calculator

Our budget calculator helps you work out what you can afford to pay. It doesn’t take long to fill in and it could help you to understand your finances better

What's a budget calculator?

You can take control of your finances by understanding your budget. Our free budget calculator can help you keep track of your household spending, showing your income, outgoings and the money you have left over in one simple summary. You don't need to log in to fill in a budget.

Give it a go now

Why should I budget?

Completing a budget means you understand what you have left at the end of the month. By completing the budget calculator before you set up a repayment plan, you'll know for sure how much you can afford to pay. This will make your payments each month much easier to stick to.

Find out more about Snoop

It’s tricky knowing exactly what you’re spending and where, so we’ve teamed up with Snoop, the free money management app. Snoop lets you see all your bank accounts in one place, and automatically categorises your spending so you can see what you’re paying and where.

Find out more about Snoop

Before you start

Get as much accurate, up to date information as you can. Bank statements can be really useful, as they show your regular income and outgoings. Wage slips, pension income or benefit statements might be helpful too.


Make a start

Enter how much money you have coming in and what you're spending. This is your income, which might be wages, bonuses, benefits, pension or tax credits. Your outgoings, or household spending, is the money you spend on food, bills, rent and other essentials.


Check your results

We'll show you a breakdown of your finances so that you can see how much money you have left after your expenses. This is known as your disposable income. Then it's up to you to decide how much of that disposable income you want to put towards your payment plan.

Give it a go now

Meet Snoop. Another way to take control.

We're always looking for ways to help you understand and manage your finances. That's why we've teamed up with Snoop - the free money management app that helps you see where you spend.

Meet Snoop. Another way to take control.