Free money toolsSmall numbers. Clearer next steps.
M Money goals, made simpler
Make the numbers
feel less noisy.
Use these free calculators to understand this month, explore what steady growth could look like, and turn a savings wish into a timeline.
Choose a calculator
One question at a time.
Monthly budget
Give every amount a gentle purpose.
Enter your typical monthly take-home income and planned spending.
Your monthly picture
Left to plan£530
17% of income is still unallocated.
Essentials£1,520
Flexible spending£650
Savings£500
Debt repayments£0
Unallocated£530
Essentials48% of income
Savings rate16% of income
Annual cushion£6,360
Useful next moveAssign the remaining £530 to a goal or buffer
These tools provide illustrative estimates only. Interest rates and returns are not guaranteed, and the results are not financial advice.
Your numbers are information, not a judgement.
Use the result to choose one manageable money goal for this month: trim one category, automate one transfer, or simply pay closer attention.