Free money tool

What can I safely spend before payday?

Set aside what is already spoken for. Get one honest number for today—without connecting a bank account.

Enter your numbers

Money available nowCurrent accounts and cash£Income before paydayOnly money you expect to receive£Bills still to payRent, utilities, subscriptions£Essential spendingFood, travel and household needs£Debt paymentsPayments due before payday£Savings to protectYour planned transfer or buffer£Days until paydayUse 1 if payday is tomorrow

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The Money Decoded UK Budget Planner puts bills, payday dates, day-to-day spending and savings goals in one place—across Google Sheets, Excel and a printable PDF.

Plan bills before they leave your account
See monthly and annual totals in pounds
Track spending, savings and debt in one place

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