Emma helps you track spending, spot subscriptions and manage your money in one app.
Try Emma budgeting app →This Free UK Budget Planner 2026/27 is designed for everyone — from NHS employees, teachers, and tradespeople to students, families and households.
Enter your income and expenses to instantly see:
This tool works perfectly with our Take-Home Pay Calculator to help you plan smarter financial decisions.
Yes. Many NHS workers use this budget tool to manage irregular hours, shift pay, and monthly expenses.
Absolutely. This planner helps teachers manage income across holidays and term-time spending.
Yes, trades such as electricians, plumbers, drivers and freelancers can easily track variable monthly expenses.
Start by adding your take-home pay, then enter main expenses: rent, bills, groceries, transport and personal spending.
On average: 30–40% rent/mortgage, 10% bills, 10–15% food, 5–10% transport, and 10% savings.
No — use our Take-Home Pay Calculator to work out your exact after-tax income before planning your monthly budget.
