Budget Calculator

Understanding your income and outgoings could help you to manage your money. You can use our free budget calculator to get a clear view of your finances

What's a budget calculator?

You just need to add your income and outgoings into the calculator, to give you a simple summary of your finances. It's free and you don't need to log in to start.

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Before you start

Use your latest bank statements to help you fill in the form. It might also be useful to have other bills and statements to hand, like wage slips, utility bills, pension income or benefit statements.

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Make a start

You just need to add some basic information about your household to get started. If we know more about your living arrangements, that means the budget calculator will be tailored to you.


Add your income

This is how much money you have coming into your household, which might include wages, bonuses, benefits, pension or tax credits.


Include your outgoings

This is your household spending. It's important when you think about your outgoings to consider your priority bills - utilities, rent or mortgage payments, and any other loans or court payments. If these are in arrears, you should make sure they're up to date before you start paying Lowell.


Check your results

Now you have a clear view of what's coming in and going out, you can see what's left over - your disposable income. Whatever the outcome, there are options available for you. You can choose how much you can afford to pay and when, or you can give us a call and speak to us.

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Check your benefits

Check your benefits

Every year in the UK, £15 billion of benefits go unclaimed. Try our benefits calculator, powered by entitledto, to check whether you could be missing out.

Try our benefits calculator
Need some help budgeting?

Need some help budgeting?

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 for you.

Find out more about Snoop
Help and support

Help and support

If you're not sure what to do next, or you need some advice, there are lots of independent organisations that can help you when it comes to managing your money.

Find support