Two planners in one
Trip or project is for one-off plans: a holiday, a home renovation, a wedding, a new laptop. List the costs, add a little extra for surprises, and say when you want the money ready. The planner tells you the total and exactly how much to put away each month (and each week) to get there.
Monthly budget is for your regular money: your salary and other income, and everything you pay out. It turns weekly, monthly, quarterly and yearly costs into one monthly figure, shows what’s left to save, and helps you find room to save more.
Plan a trip or project
- Pick a starting list (Trip, Home project, Wedding or event, Big purchase or Blank). Rename, remove or add costs as you like.
- Type an amount next to each cost. Leave a cost empty if it doesn’t apply.
- Extra for surprises adds a cushion on top, 10% by default. Prices rise and things go wrong, so 10 to 20% is sensible.
- Enter what you’ve already saved, and the month you want it ready by.
You’ll see the total cost, what’s still to save, and how much to set aside each month or week. The coloured bar shows where the money goes, biggest first. If you already know what you can afford, type it in Or: I can save … a month to see the month you’ll be ready.
Plan your monthly budget
- Under Money in, add your take-home pay and any other income. Choose how often you’re paid: weekly, every 2 weeks, twice a month, monthly or yearly.
- Under Money out, enter each cost the way you pay it. Groceries might be weekly, rent monthly, car insurance yearly. Mark each one Need (you must pay it) or Want (you could cut it).
- Not sure where to start? Fill in an example shows a typical budget you can then change.
The results show what comes in and goes out each month, what’s left to save, and your saving rate. Needs, wants and savings compares your split with the popular 50/30/20 guide. Set aside for bills that aren’t monthly lists your quarterly and yearly bills and the monthly amount to put aside so they never catch you out. Trim your wants shows what cutting your wants by a chosen percentage frees up each month and year. Watch your savings grow shows what your monthly savings become after 1, 3, 5 and 10 years at the growth rate you choose, and when you’ll reach a goal such as an emergency fund.
Worked example
Leo takes home 4,200 a month. Rent is 1,500, groceries about 110 a week, and three bills come once a year: insurance 1,400, car servicing 900 and holidays and gifts 2,400. With bills, transport, subscriptions and eating out added, the planner shows 3,313 a month going out, including 392 a month set aside for the three yearly bills. That leaves 887 a month to save, a saving rate of 21%. Cutting wants by 20% frees another 135 a month (1,620 a year). Saving the 1,022 a month at 4% grows to about 67,800 in five years.
Leo is also planning a trip costing 3,280, plus 10% for surprises, which comes to 3,608. With 500 already saved and a year to go, the planner says to put away 259 a month. At 400 a month, the money would be there in 8 months.
FAQs
Is my salary or spending sent anywhere? No. All the maths happens in your browser. Your numbers are only kept on this device if you tick Remember my numbers on this device, and unticking it deletes them.
Should I enter income before or after tax? After tax, the amount that actually reaches your account.
What growth rate should I use? A high-interest savings account might pay 3 to 5% a year. Investments can grow faster but can also fall. Use 0% to see just the money you put in.
Does it work offline? Yes. Once the page has loaded, it works with no internet.
Last updated 2026-11-07.