Live numbers · syncs across devices · adjust freely
Ready
Monthly take-home
£2,861
Unallocated
£813
£1,029
£670
£813
Fixed costs: £1,029
Variable spend: £220
Debt payments: £670
Savings: £100
Sinking funds: £29
Unallocated: £813
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Spare to allocate
£813
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Income & deductions
Auto-calculate
From annual salary using 25/26 bands
= £3750.00/mo gross
Pension-£0.00
Income tax-£540.50
National Insurance-£216.20
Student loan-£132.79
Net monthly£2860.51
Fixed costs
£1,029
Variable spend (estimated)
£220
Savings & goals
£100/mo
£0 / £3,0000%
+£100.00/mo · Target hit Nov 2028 (30 mo)
Balance
Target
£/mo
Due (optional)
At £100/mo → £1,200 saved per year
Debts
Total owed: £4857.49Monthly: £670.00
Debt
Balance
Rate %
£/mo
Clear in
7 mo
8 mo
11 mo
8 mo
5 mo
At current rate, all debts cleared in 11 months (around April 2027)
Assets & net worth
Total assets
£0
Total debts
£4,857
Net worth now
-£4,857
In 12 months
£1,200
Trajectory — 12 months from today
What you own
Projection extrapolates current monthly savings (£100/mo) and debt payments (£670/mo) forward. Doesn't account for one-off costs (holidays etc) or income changes.
Sinking funds
£29/mo
£0 / £2000%
Need £28.57/mo over 7 mo to hit target
Balance
Target
£/mo
Due
Payday split
21 transfers
When pay lands, move these out first.
FixedRent
£800.00
FixedFood shop (joint account)
£150.00
FixedTalkmobile
£16.00
FixedPhone insurance (Protect Your Bubble)
£15.73
FixedClaude.ai
£18.00
FixedMonzo Premium
£7.00
FixedGreen Party
£5.00
FixedIONOS hosting
£16.80
DebtMBNA
£420.00
DebtVirgin Money
£175.00
DebtLCS
£50.00
DebtWescot
£10.00
DebtCRS
£15.00
SavingsEmergency fund
£100.00
SinkingChristmas
£28.57
VariableGroceries (personal)
£44.00
VariableTransport
£15.00
VariableCash withdrawals
£22.00
VariableEating out
£39.00
VariableEntertainment
£40.00
VariableMisc
£60.00
Total out£2047.10
Leftover£813.41
Monthly snapshots
No snapshots yet. Take one each payday to track your net-worth trajectory.
Year-end position (if you stick to this)
Saved this year
£1,200
Debt remaining
£0
Net worth change
+£6,057
Monthly leftover
£813
Saves automatically · 25/26 UK tax bands · Built for Thomas