Scotsaver \u2014 Monthly Budget Planner<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; font-weight:700; letter-spacing:-0.02em; }\n .gauge{ height:6px; width:100%; background:linear-gradient(90deg,var(--loch) 0%,var(--heather) 45%,var(--ember) 100%); }\n nav{ display:flex; align-items:center; justify-content:space-between; padding:18px 6vw; background:var(--loch-deep); color:var(--parchment); }\n .brand{ font-family:'Space Grotesk',sans-serif; font-weight:700; 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We’ll show you the split against the classic 50\/30\/20 guide \u2014 50% needs, 30% wants, 20% savings \u2014 and flag it clearly if you’re spending more than you earn.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Monthly numbers<\/div>\n <div class=\"tool-body\">\n <div class=\"field\"><label>Monthly take-home pay (\u00a3)<\/label><input type=\"number\" id=\"income\" value=\"2200\"><\/div>\n\n <div class=\"field\"><label>Rent or mortgage (\u00a3)<\/label><input type=\"number\" id=\"housing\" value=\"750\"><\/div>\n <div class=\"field\"><label>Utilities \u2014 gas, electric, water, council tax (\u00a3)<\/label><input type=\"number\" id=\"utilities\" value=\"280\"><\/div>\n <div class=\"field\"><label>Groceries (\u00a3)<\/label><input type=\"number\" id=\"groceries\" value=\"280\"><\/div>\n <div class=\"field\"><label>Transport \u2014 fuel, bus, car costs (\u00a3)<\/label><input type=\"number\" id=\"transport\" value=\"150\"><\/div>\n <div class=\"field\"><label>Insurance & debt repayments (\u00a3)<\/label><input type=\"number\" id=\"debt\" value=\"100\"><\/div>\n <div class=\"field\"><label>Eating out, entertainment, subscriptions (\u00a3)<\/label><input type=\"number\" id=\"wants\" value=\"200\"><\/div>\n <div class=\"field\"><label>Savings you’re currently putting aside (\u00a3)<\/label><input type=\"number\" id=\"savings\" value=\"150\"><\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Show my breakdown<\/button>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"leftoverAmount\">\u00a30<\/div>\n <div class=\"big-lbl\" id=\"leftoverLabel\">left over each month<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Needs (housing, bills, groceries, transport, debt)<\/span><span id=\"needsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"needsBar\" style=\"background:var(--loch); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Wants (eating out, entertainment, subscriptions)<\/span><span id=\"wantsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"wantsBar\" style=\"background:var(--heather); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Savings<\/span><span id=\"savingsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"savingsBar\" style=\"background:var(--good); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"hint\" style=\"margin-top:14px;\">The 50\/30\/20 guide is a rule of thumb, not a rule \u2014 Scotland’s higher housing and heating costs mean many households run higher “needs” than 50%.<\/div>\n <div class=\"summary-flag\" id=\"summaryFlag\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide. This planner is for general budgeting guidance only and doesn’t account for irregular costs like car repairs or annual bills \u2014 build a small buffer in for those too.\n<\/footer>\n\n<script>\n function calculate(){\n if(window.plausible) plausible('Budget Planner: Calculated');\n const income = parseFloat(document.getElementById('income').value) || 0;\n const housing = parseFloat(document.getElementById('housing').value) || 0;\n const utilities = parseFloat(document.getElementById('utilities').value) || 0;\n const groceries = parseFloat(document.getElementById('groceries').value) || 0;\n const transport = parseFloat(document.getElementById('transport').value) || 0;\n const debt = parseFloat(document.getElementById('debt').value) || 0;\n const wants = parseFloat(document.getElementById('wants').value) || 0;\n const savings = parseFloat(document.getElementById('savings').value) || 0;\n\n const needs = housing + utilities + groceries + transport + debt;\n const totalSpend = needs + wants + savings;\n const leftover = income - totalSpend;\n\n const needsPct = income > 0 ? (needs\/income*100) : 0;\n const wantsPct = income > 0 ? (wants\/income*100) : 0;\n const savingsPct = income > 0 ? (savings\/income*100) : 0;\n\n document.getElementById('needsPct').textContent = needsPct.toFixed(0)+'%';\n document.getElementById('wantsPct').textContent = wantsPct.toFixed(0)+'%';\n document.getElementById('savingsPct').textContent = savingsPct.toFixed(0)+'%';\n document.getElementById('needsBar').style.width = Math.min(needsPct,100)+'%';\n document.getElementById('wantsBar').style.width = Math.min(wantsPct,100)+'%';\n document.getElementById('savingsBar').style.width = Math.min(savingsPct,100)+'%';\n\n document.getElementById('leftoverAmount').textContent = '\u00a3' + Math.round(leftover).toLocaleString();\n document.getElementById('leftoverLabel').textContent = leftover >= 0 ? 'left over each month' : 'over budget each month';\n\n const flag = document.getElementById('summaryFlag');\n if(leftover < 0){\n flag.className = 'summary-flag warn';\n flag.textContent = \"You're spending \u00a3\" + Math.abs(Math.round(leftover)).toLocaleString() + \" more than you earn each month \u2014 worth trimming wants or reviewing bills before it becomes debt.\";\n } else if(savingsPct < 10){\n flag.className = 'summary-flag warn';\n flag.textContent = \"You're saving under 10% of your income. Even \u00a320\u201330 more a month builds a buffer over a year.\";\n } else {\n flag.className = 'summary-flag ok';\n flag.textContent = \"You're spending within your means and building savings \u2014 solid position.\";\n }\n }\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Monthly Budget Planner Scotsaver \u2190 All tools 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 \u2014 50% needs, 30% wants, 20% savings \u2014 and flag it clearly if you’re spending more than […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-269","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>MONTHLY BUDGET PLANNER - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=269\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MONTHLY BUDGET PLANNER - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Monthly Budget Planner Scotsaver \u2190 All tools Monthly Budget Planner Where is your money actually going each month? 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{"id":269,"date":"2026-07-21T19:53:35","date_gmt":"2026-07-21T19:53:35","guid":{"rendered":"https:\/\/scotsaver.co.uk\/?page_id=269"},"modified":"2026-07-21T19:53:37","modified_gmt":"2026-07-21T19:53:37","slug":"monthly-budget-planner","status":"publish","type":"page","link":"https:\/\/scotsaver.co.uk\/?page_id=269","title":{"rendered":"MONTHLY BUDGET PLANNER"},"content":{"rendered":"\n\n\n\n\n\nScotsaver \u2014 Monthly Budget Planner<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; 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}\n .summary-flag{ padding:12px 16px; border-radius:4px; font-size:13.5px; font-weight:600; margin-top:16px; }\n .summary-flag.ok{ background:rgba(62,142,90,.12); color:var(--good); }\n .summary-flag.warn{ background:rgba(217,100,44,.12); color:var(--ember); }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <a href=\"index.html\" class=\"brand\">Scot<span>saver<\/span><\/a>\n <a href=\"index.html\" class=\"backlink\">\u2190 All tools<\/a>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">Monthly Budget Planner<\/div>\n <h1 class=\"headline\">Where is your money actually going each month?<\/h1>\n <p class=\"sub\">Enter your take-home pay and rough monthly costs. We’ll show you the split against the classic 50\/30\/20 guide \u2014 50% needs, 30% wants, 20% savings \u2014 and flag it clearly if you’re spending more than you earn.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Monthly numbers<\/div>\n <div class=\"tool-body\">\n <div class=\"field\"><label>Monthly take-home pay (\u00a3)<\/label><input type=\"number\" id=\"income\" value=\"2200\"><\/div>\n\n <div class=\"field\"><label>Rent or mortgage (\u00a3)<\/label><input type=\"number\" id=\"housing\" value=\"750\"><\/div>\n <div class=\"field\"><label>Utilities \u2014 gas, electric, water, council tax (\u00a3)<\/label><input type=\"number\" id=\"utilities\" value=\"280\"><\/div>\n <div class=\"field\"><label>Groceries (\u00a3)<\/label><input type=\"number\" id=\"groceries\" value=\"280\"><\/div>\n <div class=\"field\"><label>Transport \u2014 fuel, bus, car costs (\u00a3)<\/label><input type=\"number\" id=\"transport\" value=\"150\"><\/div>\n <div class=\"field\"><label>Insurance & debt repayments (\u00a3)<\/label><input type=\"number\" id=\"debt\" value=\"100\"><\/div>\n <div class=\"field\"><label>Eating out, entertainment, subscriptions (\u00a3)<\/label><input type=\"number\" id=\"wants\" value=\"200\"><\/div>\n <div class=\"field\"><label>Savings you’re currently putting aside (\u00a3)<\/label><input type=\"number\" id=\"savings\" value=\"150\"><\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Show my breakdown<\/button>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"leftoverAmount\">\u00a30<\/div>\n <div class=\"big-lbl\" id=\"leftoverLabel\">left over each month<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Needs (housing, bills, groceries, transport, debt)<\/span><span id=\"needsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"needsBar\" style=\"background:var(--loch); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Wants (eating out, entertainment, subscriptions)<\/span><span id=\"wantsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"wantsBar\" style=\"background:var(--heather); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"bar-row\">\n <div class=\"bar-label\"><span>Savings<\/span><span id=\"savingsPct\">0%<\/span><\/div>\n <div class=\"bar-track\"><div class=\"bar-fill\" id=\"savingsBar\" style=\"background:var(--good); width:0%;\"><\/div><\/div>\n <\/div>\n <div class=\"hint\" style=\"margin-top:14px;\">The 50\/30\/20 guide is a rule of thumb, not a rule \u2014 Scotland’s higher housing and heating costs mean many households run higher “needs” than 50%.<\/div>\n <div class=\"summary-flag\" id=\"summaryFlag\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide. This planner is for general budgeting guidance only and doesn’t account for irregular costs like car repairs or annual bills \u2014 build a small buffer in for those too.\n<\/footer>\n\n<script>\n function calculate(){\n if(window.plausible) plausible('Budget Planner: Calculated');\n const income = parseFloat(document.getElementById('income').value) || 0;\n const housing = parseFloat(document.getElementById('housing').value) || 0;\n const utilities = parseFloat(document.getElementById('utilities').value) || 0;\n const groceries = parseFloat(document.getElementById('groceries').value) || 0;\n const transport = parseFloat(document.getElementById('transport').value) || 0;\n const debt = parseFloat(document.getElementById('debt').value) || 0;\n const wants = parseFloat(document.getElementById('wants').value) || 0;\n const savings = parseFloat(document.getElementById('savings').value) || 0;\n\n const needs = housing + utilities + groceries + transport + debt;\n const totalSpend = needs + wants + savings;\n const leftover = income - totalSpend;\n\n const needsPct = income > 0 ? (needs\/income*100) : 0;\n const wantsPct = income > 0 ? (wants\/income*100) : 0;\n const savingsPct = income > 0 ? (savings\/income*100) : 0;\n\n document.getElementById('needsPct').textContent = needsPct.toFixed(0)+'%';\n document.getElementById('wantsPct').textContent = wantsPct.toFixed(0)+'%';\n document.getElementById('savingsPct').textContent = savingsPct.toFixed(0)+'%';\n document.getElementById('needsBar').style.width = Math.min(needsPct,100)+'%';\n document.getElementById('wantsBar').style.width = Math.min(wantsPct,100)+'%';\n document.getElementById('savingsBar').style.width = Math.min(savingsPct,100)+'%';\n\n document.getElementById('leftoverAmount').textContent = '\u00a3' + Math.round(leftover).toLocaleString();\n document.getElementById('leftoverLabel').textContent = leftover >= 0 ? 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Even \u00a320\u201330 more a month builds a buffer over a year.\";\n } else {\n flag.className = 'summary-flag ok';\n flag.textContent = \"You're spending within your means and building savings \u2014 solid position.\";\n }\n }\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Monthly Budget Planner Scotsaver \u2190 All tools Monthly Budget Planner Where is your money actually going each month? Enter your take-home pay and rough monthly costs. 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