Budget Planner

Two quick tools in one: check your monthly budget, then forecast how long a savings goal will take. Estimates are fine, and you can refine later.

1 · Your monthly budget

Enter your take-home income and roughly what you spend. Estimates are fine. The point is the overall picture.

Take-home income (£)

Essentials: rent or mortgage, bills, food, transport (£/month)

Wants: eating out, subscriptions, hobbies (£/month)

Savings & debt repayments (£/month)

Fill in the boxes above to see your monthly position.

2 · Savings goal forecast

Saving for something specific, whether an emergency fund, a holiday, a house deposit? See how long it will take, and what inflation does to it.

Savings goal (£)

Amount you'll save each month (£)

Interest on your savings (% per year, optional)

Assumed inflation (% per year, optional)

Don't know what inflation to assume? The Bank of England's target is 2% a year; the current actual rate is published monthly by the ONS.

Enter a goal amount to see your forecast.

Save or reload your figures

Save what you have entered to a spreadsheet file on your own computer, then load it back later to pick up where you left off or try different assumptions. The file stays on your device. It is never uploaded, and we never see it.

The saved file also contains the results, so it makes sense on its own in Excel or Numbers. When you load it back, only the details you entered are used. Every result is worked out again from scratch, so an edited file can never show you a misleading answer.

🔒 Everything on this page is calculated on your device. Nothing you type is sent to us, stored, or shared.

The Budget Planner needs JavaScript to run (it calculates everything on your own device, which is why). Please enable JavaScript, or read our Budgeting Basics guide for a pen-and-paper method that works just as well.

Important information

Any growth rate here is an assumption, not a forecast, a promise, or a typical result. Where you have not changed it, the figure is our default rather than your choice, and you can change it. Investments can fall as well as rise, you may get back less than you put in, and past performance is not a guide to future performance.

The content of this calculator is for informational purposes only and does not constitute financial or professional advice. It is not regulated financial, tax, mortgage, investment or legal advice, and using it does not make us your adviser.

We do not make personal recommendations. The tool shows you the result of a calculation based on the figures you enter. It does not tell you what you should do, and nothing it shows is presented as suitable for you or your circumstances.

The figures are estimates worked out by a computer program from the assumptions and information you enter. They are not a quote, an offer, or a statement of what you will actually pay or receive, and they will not reflect every part of your personal circumstances.

Please do not make a financial decision on these figures alone. Check your position against the relevant official source, or with a suitably qualified professional, before you act.

We take care to keep this tool accurate, but we cannot guarantee it is free from error or fully up to date, and so far as the law allows we cannot accept liability for any loss that comes from relying on it.