Budgeting advice and tips

Make a plan for your money

If you’re looking for support with budgeting, we’re by your side. Our budgeting tools and tips will give you the confidence to manage your money better.

We'll cover:

  • our helpful guides and tools
  • free third-party tools
  • making the most of Internet Banking and our mobile app.

Helpful tips and tools to help you budget

Manage your spending

Consider setting up separate accounts for different types of spending. For example, you could have a ‘bills’ account for everything you need to pay in a month and a ‘spending’ account for the rest. Managing bills can be stressful, but with some help you can gain control of your payments.

Manage your bills

Save spare money

Use our easy saving tips to help you reach your goals, reduce your spending and develop some new saving habits along the way. Use our savings calculator to reach your target or work out the future value of your savings

Tips to help you save

Pay monthly

Break down larger costs into smaller payments to make them easier to manage. Paying smaller amounts by Direct Debit each month is a more manageable way to pay for larger bills, such as car insurance and your TV licence fee.

Paying by Direct Debit

Use our budget calculator

Keeping track of your income and spending can be difficult to manage sometimes. Our free budget tool gives you a full overview of what’s coming in and going out each month.

Budget calculator

Further budgeting support

Take home pay calculator

See what tax you pay and how much money you keep using the MoneySavingExpert income tax calculator.

Take home pay calculator
 
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Benefits calculator

This free benefits calculator can help you find out what benefits you could be entitled to, including housing, heating and other living costs.

You could claim benefits if you’re out of work, on a low income or are a carer.

Turn2us benefits calculator

Helping you budget online or in our app

Keeping on top of your income and outgoings can really help. We have many tools available in Internet Banking and on our Mobile Banking app to help you. The following guides show how you can access these tools and be smarter with your money.

See your upcoming payments

Try not to overspend by viewing your upcoming payments and see how much you have left until your next pay.

View upcoming payments
 

Use our spending insights tool

Get a full overview of your money using our Spending Insights tool. It shows your current account spending in categories so you can spot any patterns and see where you might be able to save money.

Spending Insights

Track your monthly outgoings

Make time to view your recipients and cancel any Direct Debits or standing orders you no longer need.

Managing regular payments

Track your money with app notifications

Get notified of your regular payments and spending limits by choosing which app notifications you’d like to get.

Setting up notifications

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Help to plan for your future

We have tools and support to help you plan your future with confidence.

Financial planning

Get help with money worries

If you’re struggling to keep on top of your money, we’re by your side.

Money worries

Life events

We have support to help you through life’s key moments.

Life events

Help me manage my money

With the rising cost of living, our tools and support can help you stay on top of your spending.

Help me manage my money

Help me manage my money

With the rising cost of living, our tools and support can help you stay on top of your spending.

Help me manage my money