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Pennywise Money Plan

A free, anonymous UK financial planning tool. Enter your income, spending, savings, debts and goal — see your monthly surplus, emergency-fund coverage, debt picture and goal timeline on one screen. Nothing leaves your browser.

Pennywise Finance Editorial

Educational planning tool. Uses standard UK personal-finance rules of thumb (emergency fund 3-6 months essentials; 20% savings rate; 4% retirement withdrawal). Not personalised regulated advice.

Fact-checked
Reviewed September 2026
About our calculators

All calculation happens in your browser. Nothing is sent to a server. Close the tab and all your inputs are gone.

1 — Income

Monthly net income (take-home)

2 — Monthly spending

Essential (rent/mortgage, utilities, food, transport, insurance)

Discretionary (eating out, subscriptions, hobbies)

3 — Current savings & investments

Emergency fund (easy-access cash)

Other savings & investments

Average savings rate

4 — Debts (excluding mortgage)

Total unsecured debt

Average APR

Current monthly debt payment

5 — Pension

Your monthly pension contribution (% of salary)

Employer contribution (%)

6 — A savings goal

Goal

Target amount

Monthly dedicated to this goal

Your Money Plan

Headline numbers

Monthly surplus

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Savings rate

—

Emergency fund

—

Debt payoff

—

Goal timeline

—

Pension total contribution

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What this suggests

Relevant calculators & guides

What the Money Plan does

The Money Plan takes a snapshot of your current finances and surfaces four questions most people struggle to answer honestly:

Am I actually saving anything each month, after everything is paid for?
Could I survive three months with no income?
Is my high-interest debt costing me more than my savings earn?
How realistic is my big goal — in months, not a vague "sometime"?

None of these questions needs a planner. They need honest numbers and a few UK-specific rules of thumb. This tool does both.

The rules of thumb we use

Emergency fund: 3-6 months of essential spending in easy-access cash. 3 months for stable PAYE income with secondary household earner. 6+ months for self-employed, single-income or variable sector.
Savings rate: 10% is a reasonable floor, 20% strong, 30%+ exceptional. Based on net income after essentials and debt payments.
High-interest debt threshold: any APR materially above your net savings rate should be prioritised over additional saving.
Minimum pension contribution: UK auto-enrolment is 5% + 3% employer = 8%. Most actuarial projections suggest 12-15% total is needed for a comfortable retirement at state pension age.

What the Money Plan does NOT do

Give personalised regulated financial advice. We cannot — and would not want to — recommend specific products based on these inputs.
Model investment returns, inheritance, protection insurance, or complex tax scenarios. These need deeper engagement.
Store your data. Everything stays in the browser session.

Who it is for

Anyone in the UK who has never put all their numbers in one place at once. Early-career professionals, people between jobs, dual-income households with uncoordinated finances, anyone starting to think about retirement, or anyone just curious whether they are "on track". If the output shows surprises, that is usually the point.

Related calculators

If one output tile raises more questions, drill into the matching single-topic calculator:

Emergency fund: Emergency Fund Calculator
Debt: Credit Card Repayment · Debt Avalanche
Savings: Savings Goal · Compound Interest
Pension: Pension Pot Projection · Pension Tax Relief
Decisions: Save vs Overpay Mortgage · Pension vs ISA

The Money Plan is educational planning information, not personalised regulated financial advice. Pennywise Finance is not authorised by the Financial Conduct Authority. Rules of thumb used (3-6 month emergency fund, 20% savings rate, 4% withdrawal rate, auto-enrolment minimums) are UK-standard but should be adjusted to your personal circumstances. For regulated advice consult an FCA-authorised adviser or the free MoneyHelper service.