A free budget planner and cashflow forecast

Enter your income and regular spending to see where your money is going, what you have left and how your balance is likely to change over the months ahead. My Simple Budget is completely free to use, with no complicated spreadsheet needed.

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Completely free to use — every feature, no paid tiers

Cashflow forecast projects your balance months ahead

See your monthly income and spending in one place

Understand what remains after regular bills

AI bank statement import that categorises your spending

Identify areas where spending may be reduced

Set clearer savings and spending priorities

Works on desktop, tablet and mobile

Built-in cashflow forecast

The cashflow forecast takes your income, regular bills and one-off costs and projects your balance forward month by month. You can see when money is likely to be tight, plan around annual costs such as insurance or car tax, and check how a change in income or spending affects the months ahead — all included free.

Budgeting without the spreadsheet

You should not need advanced Excel skills to understand your own money. My Simple Budget guides you through the information step by step and presents the result in a clear, accessible format.

My Simple Budget is completely free to use. There are no paid tiers, subscriptions or locked features — the budget planner and the cashflow forecast are both included at no cost.

Created using five years of practical experience working in tax and accounts, with a focus on making everyday financial information easier to understand.

Results are estimates based on the information entered and are provided for general guidance only.