- Add what comes in each month, then what goes out. The planner shows what is left as you type.
- Your figures stay on this device. Nothing is stored or sent, and they are cleared when you leave the page.
- Use monthly amounts: weekly x 52 / 12, four-weekly x 13 / 12, and yearly / 12.
- Last checked: 28 October 2026.
Worried about bills this winter? See the help and savings you may be missing, free. Check my bills
How to use the planner
1. Gather your last month of bank statements and bills.
2. Enter your income after tax, using a cautious figure if it changes month to month.
3. Enter your housing and energy costs first, then everyday costs, then debts.
4. Count each cost once: if a debt payment is already in a bill, do not add it again.
5. Print or save the planner as a PDF to keep a copy. It is not saved on the site.
If more is going out than coming in
Check your benefits: GOV.UK's benefits calculators are free and anonymous and give an estimate of what you could get.1
Council Tax Reduction: GOV.UK says “You can apply if you own your home, rent, are unemployed or working.” Northern Ireland has a different scheme.4
Energy: Ofgem says you can ask your supplier to review your current payments and debt repayments.3
Crisis help: your council runs its own scheme. GOV.UK: “Councils decide how to run their schemes.”2
Find money you are missing
Our free check compares your bills and benefits with what households like yours can get.