Personal budget planner · monthly, after tax

Monthly Money Map

Every pound you take home gets a job: spending, saving or investing. Edit any line and the wheel, the future projections and the health checks update as you type.

Example figures. Replace with yours
Coming intake-home pay
Spending
Saving
Investing
Unassigned

Inner ring: categories. Outer ring: each line inside them. Hover or tap a slice.

    Day to day

    Daily tracker

    Log what you actually spend each day. Bills live in Home, so your daily allowance is worked out from Everyday living and Lifestyle.

    Spent so far
    Month's budget
    Left
    Month by month
      £
      Nothing spentWithin daily budgetOver 1.5× daily budget

        Looking ahead

        Your future, projected

        Assumes you keep today's plan: spending rises with inflation, pay rises each year, and savings and investments keep their monthly amounts.

        Future spending

        Pay then
        Left over then
        Spent in total
        CategoryNowThen

        Savings growth

        Your depositsInterest earned

        You put in
        Interest
        Per month
        PotGoal reachedValue

        Investment growth

        Your contributionsGovernment top-upsInvestment growth

        You put in
        Top-ups
        Growth
        Pot/ monthValue
        Health checks

        How the plan stacks up

        The 50/30/20 rule of thumb, your emergency cushion, and how much of this tax year's ISA allowance you'd use.

        Keep your data safe

        Cloud sync

        Saves your budget to your own Cloudflare storage after every change, so it survives clearing your browser and opens on any device. It's encrypted with your sync code before it leaves this device, so keep the code somewhere safe: without it the data can't be unlocked.

        Extra safety

        Backup and restore

        Your figures live in this browser only. Clearing browser data or switching phones will lose them, so copy a backup now and then and keep it somewhere safe, like your notes app or an email to yourself.

        Projections assume steady rates with monthly compounding and are illustrations, not financial advice. Real returns vary and investments can fall in value. Pension and Lifetime ISA lines add the 25% government top-up (basic-rate relief and LISA bonus). ISA limit shown is £20,000 a year, of which up to £4,000 can go into a Lifetime ISA. Your figures are saved in this browser only.