SunnyAvenue

Free tool

Budget Planner

Add your monthly income and spending to see exactly what you have left, and where it all goes. Nothing is saved or shared.

Money in

Total income£0

Money out

Home

Bills

Living

Money

Lifestyle

Total spending£0
Left over each month£0

Add your income and outgoings to see where you stand.

Figures are monthly estimates for guidance only. Nothing is saved, your numbers stay in your browser.

How to build a budget that actually sticks

A budget is simply a plan for your money. Once you can see income and outgoings side by side, you can make decisions on purpose rather than wondering where your money went. A useful starting point is the 50/30/20 rule: aim for roughly 50% of take-home pay on needs (home, bills, food), 30% on wants (eating out, shopping), and 20% towards savings and clearing debt.

Three quick wins

  • Start with fixed costs. Rent or mortgage, council tax and bills come first, they are the hardest to change quickly.
  • Track one full month. Include the occasional costs (car service, birthdays) so the plan reflects real life.
  • Give every spare pound a job. If you have money left over, decide in advance where it goes, an emergency fund, overpaying debt, or investing.

If money is tight, our guides on old-style money saving and where to get free debt help are good next steps.

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