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Everyday Tool

Personal Budget Planner

Map household income, assign each bill to individuals, or a joint account, and see what is left at the end of the month and year.

Step 1

Household Setup

Set how many people contribute income and whether you want to plan with a joint account.

How many income contributors are there?

Step 2

Income, Transfers, and Joint Contributions

Enter take-home income for each person, then model any balancing transfers or regular payments into a joint account.

P1 income

Frequency

P2 income

Frequency

Additional income

Frequency

Step 3

Spending Journey

Work through each section, switch on the rows you use, and set who pays each cost. You can add custom items where you need more flexibility.

Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.
Enter a value above £0 to include this item in the totals.

Step 4

Summary and Export

Review the totals at the end, jump back to a section if something needs changing, and export the current planner.

Budget Summary

Live totals update as you work through the planner.

Income
Salary Income
£5,400.00
per month
Child Benefit
£0.00
per month
Total household income
£5,400.00
£64,800.00 per year
Committed spending
£0.00
£0.00 per year
Left after regular costs
Monthly
£5,400.00
Yearly
£64,800.00

Payer Breakdown

P1
£1,800.00 left
Income£3,000.00
Paid into Joint£1,200.00
Expenses assigned£0.00
P2
£1,200.00 left
Income£2,400.00
Paid into Joint£1,200.00
Expenses assigned£0.00
Joint
£2,400.00 left
Income£2,400.00
Expenses assigned£0.00

Category Totals

Notes

Salaries are treated as after-tax income. Annual values are converted into monthly planning figures automatically.

Child Benefit is handled separately so you can assign it to a person or Joint without rolling it into salary.

Weekly values are normalised using 52 weeks per year, then shown back as monthly and yearly totals.

The joint account currently has £2,400.00 left per month after shared spending.

Your figures stay in this browser and will still be there after refresh unless you reset them.

How it works

Start by setting up the household, then enter take-home income for one or two people. From there, you can decide whether shared bills come from one person or a joint account.

Each spending section includes default rows for common home and lifestyle costs, while still letting you add custom items such as extra subscriptions, saving pots, charities, or more than one car.

The summary converts everything into monthly and yearly totals so you can see committed spending by category, payer split, and how much money is left after regular costs.

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FAQ

Full FAQ

Salaries are treated as after-tax income so the planner stays focused on real money available for spending.

Monthly, yearly, and selected weekly values are normalised into a common monthly view for comparison.

The planner is designed for budgeting and scenario testing. It does not store your figures by default.

What this budget planner is useful for

This planner is useful when household spending has grown beyond a few rough numbers in your head and you want a fuller picture of recurring commitments. It works especially well for couples or families where some bills are shared, some are personal, and some are reimbursed between accounts.

It is also a good fit when one person pays most of the direct debits and you want to model transfers or joint contributions instead of forcing every bill to sit under a single person’s spending total.

Common uses

  • Check whether joint contributions actually cover shared monthly bills.
  • See the full yearly cost of subscriptions, insurance, and car ownership.
  • Model a one-income or two-income household using the same structure.
  • Spot where spending is concentrated before making cutbacks or saving changes.

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