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BudgetPilot

Personalized Budget & Debt Planner

Important: This calculator is designed for people whose monthly take-home income is greater than their fixed monthly costs and minimum debt payments.

If you owe more than you earn, or you’re unable to meet your basic payments, please seek financial help.

This tool cannot provide crisis support or replace professional advice.

Your Email Address

We’ll send your personalized planner here.

Monthly Income (£)

Enter your total take-home pay each month (after tax). If you share debts and bills with a partner or housemates, enter your combined monthly income to create a plan for everyone. Please ensure your monthly income is higher than your fixed costs and minimum debt payments.

Fixed Monthly Costs (£)

Enter your essential monthly bills (rent, utilities, subscriptions).

Plan Length (years)

This sets your overall plan period (e.g., 1 or 2 years). If your debts are cleared before this time, the remaining period will focus on building your savings.

Payoff Strategy

Payoff Strategy

A

Avalanche

Avalanche = pay the highest debts first

B

Snowball

Snowball = pay the smallest debts first

Debt 1 Name

Debt 1 Balance Owed (£)

Debt 1 Min Monthly Payment (£)

Debt 1 Interest Rate (APR %)

Debt 2 Name

Leave blank if you don’t have this many debts.

Debt 2 Balance Owed (£)

Leave blank if you don’t have this many debts.

Debt 2 Min Monthly Payment (£)

Debt 2 Interest Rate (APR %)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 3 Name

Debt 3 Balance Owed (£)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 3 Min Monthly Payment (£)

Debt 3 Interest Rate (APR %)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 4 Name

Debt 4 Balance Owed (£)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 4 Min Monthly Payment (£)

Debt 4 Interest Rate (APR %)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 5 Name

Debt 5 Balance Owed (£)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Debt 5 Min Monthly Payment (£)

Balance 5 Interest Rate (£)

Leave blank if you don’t have this many debts.

Leave blank if you don’t have this many debts.

Important:

This tool only works if your monthly income is more than your fixed monthly costs plus your minimum payments on all debts.

If you don’t know, add up:
Your monthly take-home pay
minus
All your regular bills/fixed costs
minus
Minimum payments on every debt

If the number is negative, you’re not eligible to use this calculator.

If you’re struggling to cover the basics or payments, please do not submit or pay. Get professional help.

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I have read and agree to the Privacy Policy and Terms of Service:

I agree to the Privacy Policy and Terms of Service

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