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Work out your budget

This advice applies to England

Use this budgeting tool to help you understand:

  • what you’re earning and spending
  • where you might be able to cut costs

You should immediately contact your local Citizens Advice in England and Wales, Scotland or Northern Ireland if you've received court papers, are facing eviction or are expecting bailiffs (or in Scotland sheriff officers).

Before you start

The tool will be most useful if you give accurate figures. You can use rough figures if you just want a general idea of your budget.

Try to find your most recent:

  • bank statements
  • payslips
  • debit and credit card statements or bills
  • receipts for things you usually pay for in cash

Make sure you include all your expenses, for example money you spend on your partner or family.

This budget tool takes at least 30 minutes to complete. 

You can take as much time as you need, but you won’t be able to save your information. Make sure you print the results if you want to keep them.


Something wrong with the tool? Let us know