My Simple AppsThis tool can help you layout your finances clearly, cleanly & concisely to give you the confidence you need to plan your financial future.
Total Income
per month
Total Deductions
total outgoings per month
Disposable Income
per month after savings
No employments yet. Add your first one to get started.
Interest, dividends, self-employment or rental. Each is taxed under its own rules.
No other income yet. Add your first source to get started.
Recurring, unavoidable commitments grouped by category.
No fixed bills yet. Use the button below to add one.
Variable spending grouped by category.
No costs yet. Use the button below to add one.
Add each account with its current balance, monthly contribution and AER.
No accounts yet. Use the button below to add one.
Gross salary flows into fixed bills, then into your variable costs, savings and disposable income.
Income & Tax
Fixed Bills
No fixed bills yet.
Running Costs & Savings
No running costs yet.
How each pound of your gross income is used.
Annual
£0
take home
Monthly
£0
take home
Daily
£0
take home
Annual
£0
savings
Monthly
£0
savings
Daily
£0
savings
Annual
£0
disposable
Monthly
£0
disposable
Daily
£0
disposable
One line per account, compounded monthly at each account's AER.
6 months
£0
12 months
£0
24 months
£0
+£0 interest
How My Simple Budget works
My Simple Budget is a free budget planner and calculator that turns your numbers into a clear picture of your financial performance. Add your income and expenses, list your regular bills and everyday spending money, and the tool works out what is left for savings, debt repayments or money left over at the end of the month. Once your budget is ready, open the Cashflow Forecast to see your projected bank balance day by day, so you know when money lands, when bills leave and when you might dip below zero. There is nothing to pay and no account needed to build your budget, see your full results and explore your forecast.
What's free and what's in Plus
Free — £0
- A full manual budget — income, bills and spending
- Your complete results, breakdown and charts
- Cashflow forecast showing your projected bank balance over time
- Edit freely during your session
- One free AI extraction per account
- No account required
Plus — £2.99/month or £15.99/year
- Save budgets to your account and come back to them
- Keep multiple budgets and compare scenarios
- Open your budget on any device
- Three AI extractions every billing month
- PDF export and share links
Annual works out at about £2.08 a month. Cancel any time.
What this budget calculator can help with
- Seeing your monthly budget planner view of income and expenses at a glance.
- Tracking regular bills like rent, utilities, subscriptions and insurance.
- Estimating spending money for food, travel and everyday costs.
- Planning savings and debt repayments alongside your household budget.
- Forecasting your bank balance day by day with the cashflow forecast chart.
- Understanding how much money is left over each month.
Who this budget planner is for
My Simple Budget is built for anyone who wants a straightforward view of their finances. It works for households, couples, students and anyone starting a monthly household budget for the first time. It cannot tell you what to do - but it can give you the information you need to make decisions about your finances.
Start your simple budget
Scroll up to add your income and expenses and see your budget come together. You can switch between annual and monthly views to see whichever feels more natural for your household budget.
Frequently asked questions
- Is My Simple Budget free?
- Yes. Building a full budget is free — enter your income, bills and spending and see your complete results, breakdown and charts without paying anything or creating an account.
- What is a budget planner?
- A budget planner is a simple tool that helps you list your income and outgoings in one place so you can see how your money is being used each month.
- How does a budget calculator help?
- A budget calculator does the maths for you. It adds up your income, regular bills, everyday spending and savings so you can see what you have left over without using a spreadsheet.
- What do I get with Plus?
- Plus saves your budgets to your account so you can come back and edit them, keep multiple versions, open them on another device, use AI extraction three times a billing month and unlock PDF export and share links. It is £2.99 a month or £15.99 a year and you can cancel any time.
- Can I use this for a monthly household budget?
- Yes. My Simple Budget works well as a monthly household budget planner. You can switch between annual and monthly views to see whichever is easier for you.
- Is My Simple Budget suitable for UK users?
- Yes. My Simple Budget is designed as a UK budget planner and uses UK tax rules to estimate your take-home pay, but anyone can use it to plan income and expenses.
- Do I need an account to use it?
- No account is needed to build and view your budget. You only need an account if you want Plus features such as saving budgets and returning to them later.
- What is the Cashflow Forecast?
- The Cashflow Forecast takes your budget and projects your bank balance day by day. It shows when income lands, when bills leave, and when your balance might dip below zero, so you can plan ahead.