See where your money is going, how much debt pressure is weighing on your month, and what it takes to build real financial breathing room. A practical UK-focused toolkit for clearer cash flow, stronger decisions, and steadier momentum.
Control | Clarity | Momentum
Enter income, bills, subscriptions, discretionary spend, and savings to see surplus, category split, emergency-fund coverage, and money-health signals.
Map each debt, see the share of income taken by minimum payments, and review zero-percent expiry timing, estimated interest, and neutral debt pressure notes.
Review buffer milestones, current savings coverage, and how sinking-fund targets affect the monthly amount available for resilience-building.
Most people have a rough idea of what comes in each month, but far less clarity on where it goes. This tool maps your income against your outgoings across every category - essentials, wants, savings, and subscriptions - then checks those proportions against common budgeting frameworks. The result is a clear monthly picture: your real surplus or deficit, how your spending is distributed, and whether your current position is building financial capacity or eroding it.
A money rule is a percentage-based framework that divides your income into three broad categories: essentials (the things you need), wants (the things you choose), and savings (the capacity you are building). Different rules apply different weightings -- the right starting point depends on your income, cost of living, and current financial position.
Select the rule that best fits your current situation. Tap any option to compare benchmarks and open guidance.
Debt is rarely just a balance. It is a monthly cost, a percentage of your income, and a drag on everything else you could be doing with that money. This tool takes each debt you hold - balance, rate, and minimum payment - and turns it into a clear picture of the real pressure on your cash flow, how long repayment will take, and what happens if any 0% promotional rates expire before the balance is cleared.
Financial resilience is built in two layers: a buffer for the unexpected, and a plan for the predictable. This tool helps you track both your emergency fund coverage measured in months of essential costs and sinking funds for known upcoming expenses like insurance renewals, car repairs, or annual bills. Enter your current savings and targets to see how far your buffer stretches today, and how much to set aside each month to hit every milestone on time.