Answer a few questions about your household income, spending and savings. We'll show you your true take-home pay, how your spending compares to sensible guides, and what your savings could be worth in thirty years.
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Your results
Example figures
Income after deductions
£3,401
After essential costs
£1,986
After all expenses
£742
Where the money goes
Emergency fund — your cash would cover about 2.1 months of essentials. Aim for at least 4.
In 30 years, you'd have
£812,400
What you'll see
No spreadsheet, no jargon and no judgement — just your own numbers, worked out properly and explained in plain English.
Income Tax, National Insurance, pension and student loan worked out on the 2026/27 rates — for one or two earners, by month, week or working day.
Every category totalled and charted, with the share of your spending each one takes. The picture most people have never seen in one place.
Plain-English checks on housing, food, eating out, subscriptions, shopping, fuel and holidays, so you can see what's normal and what's drifting.
How many months your cash would really cover, and what three and six months of your essentials would cost.
Your ISAs, pensions and savings compounded forward year by year, so today's habits turn into a number you can picture.
Where a check flags something, we point you at the accounts and rates that could fix it — no cost, no obligation.
Around five minutes, and you can leave anything blank.
Salary, pension contributions, student loan and any other income — for you and a partner if you have one.
Ten short steps grouped by category, with your own labels where ours don't fit. Skip anything that doesn't apply.
Your dashboard, benchmark checks and a decades-long projection, all recalculated the moment you change a figure.
Free, no bank connection, and nothing to cancel later.
This is a guidance tool, not financial advice. Figures are estimates based on what you enter and the assumptions shown. They don't account for your full circumstances. Speak to a regulated financial adviser before making decisions.