Monthly Budget Planner

Where is your money actually going each month?

Enter your take-home pay and rough monthly costs. We'll show you the split against the classic 50/30/20 guide — 50% needs, 30% wants, 20% savings — and flag it clearly if you're spending more than you earn.

Monthly numbers
£0
left over each month
Needs (housing, bills, groceries, transport, debt)0%
Wants (eating out, entertainment, subscriptions)0%
Savings0%
The 50/30/20 guide is a rule of thumb, not a rule — Scotland's higher housing and heating costs mean many households run higher "needs" than 50%.