Helping you budget

Take charge of your money

Budgeting doesn’t have to be stressful. Keep on top of your monthly income and outgoings by using our tips and tools designed to help you better manage your money.

Our budgeting guides and tools

 

Use our budget calculator

Get an overview of your money by using our budget calculator. If you can plan your spending in advance, you're less likely to buy things you don't need, or can't afford.

This will help you stick to your budget and make sure you don’t overspend.

Budget calculator

Get help with your bills

Sometimes it can help to split your money between accounts. Why not consider one for bills and another for everyday spending. With the help of our tips and tools, we can help you gain control of your payments.

Tips to manage your bills

Spread it out

Spreading bigger payments over the year (like your car insurance or TV licence fee) might be a good option for you. Setting up a monthly Direct Debit to pay for these costs means you won't have to pay a large sum in one go, which can be helpful if money is a bit tight.

Paying by Direct Debit

Start saving

If you have some money left over at the end of the month, why not think about saving it? Sometimes things happen that you haven't planned for like an unexpected bill, repairs and maintenance, or losing your job. Having some savings can help.

Become a savvy saver

Budgeting support from other organisations

 

Benefits calculator

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

If you're out of work, on a low income or caring for someone, there may be some benefits available to help you out.

Turn2us benefits calculator

Work out your take home pay

Find out how much money you keep and how much tax you pay using the MoneySavingExpert income tax calculator.

Take home pay calculator

Managing your budget online or in our app

Tracking how much you spend each month might help you budget better. There are plenty of tools available in Online Banking and on our Mobile Banking app that can support you. The following guides show how you can access these tools and stay on top of your money.

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With the rising cost of living, it's natural to worry about your money. We’re here to help.

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Go paper-free

Amend paper-free preferences for your statements and communications.

Manage your paper options

Financial planning

From short-term savings habits, to long-term planning, we want to help you get to grips with your financial goals. Start building the future you want.

Plan for your future

Managing your money

With the rising cost of living, we have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we're here to help.

Help manage my money

Managing your money

With the rising cost of living, we have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we're here to help.

Help manage my money