The key to reining in your spending and borrowing, and getting back on track with your savings is first to step back and see where all the money is going. By filling in the savings calculator below you'll be able to see how much is coming in, where you're spending it, what your debts are costing you, and what you've got left to set aside for the future.
We've developed this budgeting tool to make it easier to see what a difference small lifestyle changes can make over time to your savings.
When filling in the planner, try to think about everything you earn, spend and save in an average month. Be honest, and where items you think of aren't included on the list, make sure you add them into the 'other' category.
Please input monthly totals only.