Your budget
We have now retired Your budget.
If you need to do a budget, use our Digital Advice Tool which also gives advice on dealing with your debts. Or you can call us on 0808 808 4000.
Last saved:
Please fill in the following details. We do not save the information you add to Your personal details. You will need to re-enter this information each time you load the budget.
If you live with a partner, only add their details here if you are dealing with your debts together.
For more help filling in this section, please watch this video
Your full name (required)
Your date of birth
Is your budget sole or joint with a partner?
What is your employment status?
Your partner's full name (if applicable)
Your partner's date of birth (if applicable)
Your partner's employment (if applicable)
What type of accommodation do you live in?
Your address line 1 (required)
Your address line 2 (required)
Your address line 3
Postcode (required)
Do you have a partner who lives with you?
Number of dependent children under 16
Number of dependent children aged 16-18
Other dependants
Non-dependants
Number in household
Number of vehicles in household
Earnings
Include all types of income coming into your household.
Remember to include any dividends you receive from the limited company after deductions for tax.
If you live with your partner and you are not dealing with your debts together, contact us for advice about completing this section.
For more help filling in this section, please watch this video
Amount
How often?
Your salary or wages (take home)
Your partner's salary or wages (take home)
Other
Total salary or wages per month
Benefits and tax credits
If money is being taken directly from your benefits to repay debts, for example rent or council tax arrears, contact us for advice.
Amount
How often?
Universal Credit
Jobseeker's Allowance (income based)
Jobseeker's Allowance (contribution based)
Income Support
Working Tax Credit
Child Tax Credit
Child Benefit
Employment and Support Allowance or Statutory Sick Pay
Disability benefits
Carer's Allowance
Local Housing Allowance/Housing Benefit
Council Tax support
Other
Total benefits and tax credits per month
Pensions
Amount
How often?
State Pensions
Private or work pensions
Pension Credit
Other
Total pensions per month
Other income
Amount
How often?
Maintenance or child support
Boarders or lodgers
Non-dependants' contributions
Student loans and grants
Other
Total other income per month
Total
Assets are things like savings or the value of property such as your home or car.
Creditors will not normally expect you to sell these to pay off your debts but it is a good idea to show that you have at least considered this option.
For more help filling in this section, please watch this video
Do you have any assets?
Do you have any assets that can be used for lump-sum payments?
If you live with a partner and you are not dealing with your debts together, contact us for advice before completing this section.
If you have added any additional outgoings when previously working with the budget sheet, can you sum the values and add them into that section's Other amount box.
Don’t include any payments to debts or arrears in this section.
For more help filling in this section, please watch this video
Home and contents
Amount
How often?
Rent
Ground rent and service charges (factor fees if you live in Scotland)
Mortgage
Mortgage endowment
Secured loans
Council tax/rates (including water charge if you live in Scotland and rates in NI)
Appliance and furniture rental (including appliance and furniture HP, conditional sale and so on)
TV licence
Other
Total home and contents per month
Utilities
Amount
How often?
Gas
Electricity
Other costs (including coal, oil and calor gas)
Other
Total utilities costs per month
Water
Amount
How often?
Water supply
Water waste
Total water costs per month
Care and health costs
Amount
How often?
Childcare costs
Adult-care costs
Child maintenance or child support
Prescriptions and medicines
Dentistry and opticians
Other
Total care and health costs per month
Transport and travel
Amount
How often?
Public transport (e.g. work, school, shopping)
Hire purchase or conditional sale vehicle
Car insurance
Road tax
MOT and ongoing maintenance
Breakdown cover
Fuel, parking and toll road charges
Other
Total transport and travel per month
School costs
Amount
How often?
School uniform
After-school clubs and school trips
Other
Total school costs per month
Pensions and insurances
Amount
How often?
Pension payments
Life insurance
Mortgage payment protection insurance
Buildings and contents insurance
Health insurance (medical, accident or dental)
Other
Total pensions and insurance costs per month
Professional costs
Amount
How often?
Professional courses
Union fees
Professional fees
Other
Total professional costs per month
Other essential costs
Amount
How often?
Other essential costs
Total other essential costs per month
Total
If you live with a partner and you are not dealing with your debts together, contact us for advice before completing this section.
If you have added any additional outgoings when previously working with the budget sheet, can you sum the values and add them into that section's Other amount box.
Don’t include any payments to debts or arrears in this section.
We will tell you if your spending seems higher than average.
For more help filling in this section, please watch this video
Communications and leisure
Amount
How often?
Home phone, internet, TV package (including film subscriptions)
Mobile phone
Hobbies, leisure or sport (e.g. socialising, eating out, outings, clubs, leisure courses)
Gifts (e.g. birthdays, festivals, charity donations)
Pocket money
Newspapers, magazines, stationery and postage
Other
Total communications and leisure costs per month
Important
* Your communications and leisure outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Food and housekeeping
Amount
How often?
Groceries (e.g. food, pet food, non-alcoholic drinks, cleaning)
Nappies and baby items
School meals and meals at work
Laundry
Alcohol
Smoking products
Vet bills and pet insurance
House repairs and maintenance
Other
Total food and housekeeping per month
Important
* Your food and housekeeping outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Personal costs
Amount
How often?
Clothing
Hairdressing
Toiletries
Other
Total personal costs per month
Important
* Your personal costs outgoings seem higher than average. Double check your figures. If they are correct, it will help to let your creditors know why your outgoings are higher than average in this area.
Enter the information in the box below. These notes will appear on your budget.
Total
You can include an amount of money for savings in your budget. This can be up to £25 if you have enough money left over. So if you have £25 left, you can save up to the whole £25. If you have £5 left over, you can save up to £5.
The £25 per month cap applies to your whole household. A single adult can save up to £25. A couple can also save up to £25, they do not get to save £25 each.
For more help filling in this section, please watch this video
Amount
Please tick this box to show you have thought amount putting money aside for savings (or discussed this with an adviser).
Your potential monthly savings amount.
Tick this box if you don’t want to put money aside for savings.
Total
Priority creditors have stronger powers to get their money back than non-priority creditors and so must be dealt with first. Common priority debts include rent, gas, council tax and income tax. When you add a priority debt, click in the debt type box for a list of priority debts to choose from.
List all of your household priority debts and any payments that you have agreed to make.
For more help filling in this section, please watch this video
Total you owe
Agreed monthly repayment
Totals
Non-priority creditors have less power to make you pay. Common non-priority debts include credit cards, unsecured loans, unsecured overdrafts and catalogues. When you add a non-priority debt, click in the debt type box for a list of non-priority debts to choose from.
List all of your household non-priority debts and any payments that you have agreed to make.
For more help filling in this section, please watch this video
Total you owe
Agreed monthly repayment
Totals
You could offer a token payment of £1 each month to each of your creditors. This may only be a short-term solution but it can give you some time to work out your other options.
Use this space to tell your creditors anything else that you think they might need to know. These notes will appear on your budget.