Household Cash Flow
A typical month of income and outgoings. Plans use the yearly living-cost total — not a bank-connected tracker.
Coming In
£0 / mo
£0 a year
Going Out
£0 / mo
£0 a year
Leftover
£0 / mo
Income and outgoings match.
Yearly Figure For Plans
£0 / yr
£0 a month living costs
What Comes In
Gross pay from a job. Tax, NI and student loan are modelled on the plan. Leftover here totals whatever you type; job lines copy into a plan as employment. Limited-company drawings, dividends and sole-trader profit belong on the plan’s business section.
Add pay, then choose how often it arrives and whether it is yours or a partner’s.
What Goes Out
Turn off “Use In Journeys” for mortgage, rent, student loan or childcare the journey already models. Regional averages are ONS Family spending for April 2024 to March 2025, scaled to the region — rent and mortgage are left out.
Monthly groceries, yearly insurance — they average into the month automatically.
Saving updates your profile only. Existing plans stay as they are until you copy the baseline in. Names, ages and region still live on your profile.