FREE UK BROWSER-ONLY TOOL

Irregular Income Safe-to-Spend Planner

Estimate a cautious spending allowance using your lower-income month, essential bills, tax reserve and emergency buffer.

Enter your figures

Conservative monthly income (£)

Typical monthly income (£)

Essential monthly spending (£)

Tax and National Insurance reserve (%)

Extra monthly buffer contribution (£)

Current cash buffer (£)

Target cash buffer (£)

Enter your figures and select Calculate.

Assumptions and limitations

Income is assumed to be before your entered tax reserve. The tax reserve is a percentage of gross income entered, not a personalised tax calculation. This tool does not calculate UK tax or benefits. Ring-fence actual tax liabilities separately, particularly if self-employed. If essential bills exceed cautious income, seek free debt advice rather than relying on borrowing.

Monthly Budget Calculator and Sinking Fund Planner.

All figures are calculated in your browser. No financial figures are sent to our servers by this calculator. Results are general information, not personalised financial advice.