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Budget Planner

Monthly: £5,000 · Yearly: £60,000

Monthly surplus

£1,210

Yearly equivalent: £14,520

Available to invest or save

Spending

Where your money goes

Monthly total

£3,790

Housing

£2k · 43.8%

Food

£610 · 16.1%

Financial

£500 · 13.2%

Transport

£280 · 7.4%

Entertainment

£270 · 7.1%

Personal

£195 · 5.1%

Family

£180 · 4.7%

Healthcare

£95 · 2.5%

Spending

£3,790

Share of total spend

🏠 Housing
£1,66044%
🛒 Food
£61016%
💰 Financial
£50013%
🚗 Transport
£2807%
🎬 Entertainment
£2707%
👕 Personal
£1955%
👨‍👩‍👧 Family
£1805%
💊 Healthcare
£953%

🏠 Housing

£1,660

Mortgage / Rent
£14,400
Gas & Electricity
£1,440
Water
£420
Broadband
£420
Home Insurance
£480
Council Tax
£2,160
Home Maintenance
£600

🛒 Food

£610

Groceries
£4,800
Eating Out
£1,800
Takeaways
£720

🚗 Transport

£280

Fuel
£1,200
Car Insurance
£960
Car Maintenance / MOT
£480
Public Transport
£720

💊 Healthcare

£95

Prescriptions / Pharmacy
£240
Dentist
£180
Optician
£120
Health Insurance
£600

👨‍👩‍👧 Family

£180

School / Activities
£1,800
Childcare
£0
Children's Clothing
£360

🎬 Entertainment

£270

Streaming Services
£360
Gym / Fitness
£480
Hobbies
£600
Holidays
£1,800

👕 Personal

£195

Clothing
£960
Haircuts / Personal Care
£480
Gifts
£600
Subscriptions
£300

💰 Financial

£500

Pension Contributions
£2,400
S&S ISA / Tax Free Equity Savings
£3,600
Debt Repayments
£0

🔮 Retirement Impact Modelling

Adjust any spending category below to see the effect on your retirement age.

Extra monthly saving

Monthly delta: +£0

With this change, estimated retirement age: 73.2 (vs current 73.2)

Same

Monthly pot impact at retirement (rough): +£0

Cut food spend

Monthly delta: +£0

With this change, estimated retirement age: 73.2 (vs current 73.2)

Same

Monthly pot impact at retirement (rough): +£0

Cut entertainment

Monthly delta: +£0

With this change, estimated retirement age: 73.2 (vs current 73.2)

Same

Monthly pot impact at retirement (rough): +£0

Housing cost increase

Monthly delta: +£-0

With this change, estimated retirement age: 73.2 (vs current 73.2)

Same

Monthly pot impact at retirement (rough): +£0

Custom: Change any line

Custom line change

Monthly delta: +£0

With this change, estimated retirement age: 73.2 (vs current 73.2)

Same

Monthly pot impact at retirement (rough): +£0

Baseline monthly contribution

£300

Target pot: £1,000,000 · Current pot: £0 · Current age: 30 · Retirement age target: 57

Scenario comparison

No saved retirement scenarios yet.

⚠️ Illustrative projections only — not financial or legal advice. Consult a qualified adviser before making financial decisions.

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