tenant2owner
    Free homebuying tool

    Where does your money
    actually go?

    A quick monthly budget builder. See your surplus, your housing ratio, and how much you could be putting aside toward a deposit.

    Monthly income

    Use take-home (after tax). If you're paid weekly, multiply by 4.33.

    £
    £
    £
    £

    Essential expenses

    The bills you can't easily skip.

    £
    £
    £
    £
    £
    £
    £
    £
    £

    Lifestyle & flexible

    Spending you have some control over.

    £
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    Your monthly picture
    Income
    £0
    Essentials
    £0
    Lifestyle
    £0
    Left over
    £0
    You're breaking even.

    Add your income and expenses to see your monthly position.

    Housing cost check
    ,
    Add income

    Add your income to see your housing ratio.

    Quick wins

    Small, repeatable swaps that add up to real deposit money.

    • Brew your own coffee 3 days a week
      Swap three £3 shop coffees for homemade. Around £36 a month, £430 a year.
    • Round-down and sweep
      Round every card spend down to the nearest £10 and move the difference to savings the same day.
    Next steps
    Run a 90-second Readiness CheckCompare renting vs buying with your numbersRead the deposit-saving guides

    This tool gives an indicative picture of your monthly budget. It is not regulated financial advice. For personal advice, speak to a qualified adviser.