Wessex Community Bank · Free online tool
Free budget planner for UK households
Bring together your income, household bills, credit repayments and regular spending. See what is left each month and create a clear budget report to keep.
- No sign up needed
- Individual or joint budgets
- Clear monthly summary
Build a clearer picture of your monthly budget
Work through the essentials at your own pace. We will total your figures as you go and produce a clear report at the end.
Let’s start with your household
This helps us present the budget correctly. A joint budget should include both people’s income and shared costs.
Monthly income
Enter normal take-home income for everyone included in this budget. Payment frequencies are converted automatically.
Home and living costs
Add usual monthly costs. If you pay yearly or quarterly, divide the amount across twelve months.
Home and bills
Day-to-day living
Credit commitments and savings
List each regular credit repayment separately. This makes the final report more useful and transparent.
Existing borrowing
Regular saving
Review your budget
Check the summary below. You can go back to correct anything before producing your report.
Monthly budget report
Where your money goes
A breakdown of your regular monthly costs.
Spending breakdown
The largest regular spending areas.
Income mix
How the household income is made up.
Household contribution
Income contribution within this budget.
Points to consider
Your next best steps
Practical prompts from the figures entered, not personal financial advice or a recommendation for a particular product.
This summary is based on the figures entered. It is a budgeting aid, not a lending decision or financial advice.