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
Debt payments
Unassigned

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

    Debt side

    Debt payoff

    Track what you owe on each credit card, loan and mortgage. Log every payment and the balance drops straight away.

    Total owed

    Paid off so far
    Payments / month
    Interest / month
    £

      Payoff plan

      Current paymentsWith your plan
      Debt-free with your plan

      Interest to pay
      Interest saved
      Time saved
      Pay off in this order
        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.