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.
What This Tool Models
Type a typical month of take-home income and outgoings. Kumberi multiplies that pattern into a yearly living-cost figure you can copy into a journey. Partner lines can sit beside yours so the household total is one number, not two disconnected budgets.
Nothing here connects to a bank. There is no transaction feed, no merchant categorisation, and no Open Banking. The point is a structured estimate you can inspect before a housing, work or family decision — the same stance as the rest of Kumberi.
Worked Example (Illustrative)
Suppose take-home pay is £3,400 a month, a partner brings in £2,100, and outgoings (rent or a mortgage payment, council tax, food, travel, childcare) come to £4,200. The leftover in that month is £1,300. Over a year the living-cost total is 12 × £4,200 = £50,400, which is the figure a journey uses as the household spending baseline unless you override it.
If you later add a child or a house on the timeline, funded hours, stamp duty and a new mortgage payment are modelled as events on top of this baseline. Saving the household page does not silently rewrite an existing journey; new journeys pick up the saved baseline, and you copy it into a path you already have.
What This Page Does Not Do
- This is not a budget app, a bank connection, or a spending tracker.
- Tax, NI, student loans and pension contributions are modelled in a journey from gross income, not from these take-home boxes.
- A typical month will not match every calendar month (holidays, Christmas, boiler repairs). Treat it as a starting shape, then adjust the journey.
- Saving here does not change journeys you have already run until you apply the figure.
Related Guides
Common Questions
What is the household cash-flow tool?
A typed-in typical month of income and outgoings. Kumberi turns that into a yearly living-cost figure you can copy into a journey. It is not a bank feed and does not categorise transactions.
Does saving here change an existing journey?
A saved baseline is picked up by new journeys. Existing journeys stay as they are until you copy the household figure in. That avoids silently rewriting a path you already modelled.
Why not connect a bank?
Kumberi is built so you can model a decision without handing over a bank login. The household tool is a structured estimate, not Open Banking.