Can this month’s plan fit?
Use take-home income and the spending you genuinely expect. A negative result means the plan needs changing; it is not a cue to hide a cost or assume future income.
See the budget method →Free money toolsSmall numbers. Clearer next steps.
M Money goals, made simpler
Make the numbers
feel less noisy.
Use these free calculators to understand this month, explore what steady growth could look like, and turn a savings wish into a timeline.
Choose a calculator
One question at a time.
Monthly budget
Give every amount a gentle purpose.
Enter your typical monthly take-home income and planned spending.
Ready when you are
Your monthly picture will appear here
Enter the figures that matter to you. Blank fields are treated as not entered, while a zero you type remains a real zero.
Compound growth
See what steady can become.
Explore an estimate using monthly compounding and regular end-of-month contributions.
Ready when you are
Your growth estimate will appear here
Add your own figures to explore the estimate. You can leave the rate at zero if you only want to compare contributions over time.
Savings goal
Turn “someday” into a date.
Estimate when regular monthly saving could take you to your target.
Ready when you are
Your savings timeline will appear here
Enter a target and the figures you know. A blank field stays blank, and you can enter zero when zero is the correct amount.
These tools provide illustrative estimates only. Interest rates and returns are not guaranteed, and the results are not financial advice.
Choose the question before the calculator
Three tools, three different decisions.
These estimates become useful when they lead to one affordable action. Start with the tool that answers today’s question, record the assumptions, and check the result again when the numbers change.
What could steady contributions become?
Compare your contributions with illustrative growth over time. Change the rate and inflation assumptions to see how sensitive the estimate is rather than treating one projection as a promise.
Understand the assumptions →What monthly pace would a target require?
Use the target, current balance, contribution, and timeframe together. If the required amount is not affordable, adjust the date or target instead of building a budget around an impossible transfer.
Plan the timeline →1 · See the monthA budget shows £180 left after planned essentials, flexible spending, savings, and commitments.
2 · Test the targetA £1,200 buffer would take about seven months at £180 a month before allowing for interest.
3 · Choose the goalTransfer £180 after payday this month and review whether the amount remains affordable.
4 · Keep the boundaryThe calculators do not choose between debts, savings products, investments, or essential arrears.
Educational estimates only. Rates, fees, tax, inflation, debt costs, product terms, and individual circumstances can materially change the result. Use regulated, independent guidance when deciding priorities or when payments are difficult.
Your numbers are information, not a judgement.
Use the result to choose one manageable money goal for this month: trim one category, automate one transfer, or simply pay closer attention.