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The Real Number · The Life Sheet

The Life Sheet

What’s actually left for life each month?

See what comes in, what life costs and what you need to put aside.

Your situation ↓
What comes in
Your monthly take-home income £/MO — yours, or both of yours
The fixed things leaving every month

Add the payments that come to mind. You do not need to total them first — we do that for you.

Mortgage or rent £/MO — your main home payment
Council tax £/MO
Utilities (gas, electricity & water) £/MO
Phones, broadband & TV £/MO
Childcare or school costs if relevant — £/MO
Loans or car finance £/MO — if any
Normal life

A rough answer is fine here — use what you would say in conversation, not a perfect bank-statement number.

Your usual weekly food shop £/WK
Regular travel & work costs £/MO
What you put aside each month optional but real life
Holidays & plans £/MO
Emergency cushion & home repairs £/MO

For home repairs, boiler trouble or the sort of surprises you do not want to put on a credit card.

Money for the future £/MO
Mortgage overpayment £/MO
Annual costs

The ones you know are coming every year. Add the amount you pay, then choose whether that is your monthly payment or yearly total.

Irregular costs
The Forgotten Fund

The little — and not so little — spends that never arrive as a neat monthly bill: the Uber Eats night, a wedding outfit, a last-minute weekend away with the kids, or those coffees on the way to work.

Your figures stay in this browser. They are never sent to us, and you can clear them whenever you like.
Your real number
£840/mo
Left after life, future plans and the costs that catch people out
Thinking about a work change?

Use The Work Week to work out the monthly change, then come back and see what it would do to your Life Sheet.

Thinking about your next home?

Take the monthly numbers you have already added into The Home Plan — without typing them all out again.

Nothing is sent to us or put in a link. The handover stays on this device.

Use this to see your options, not as a recommendation. The pots and splits are your choices, not advice about saving, investing or paying off debt. Any future-value illustration is a made-up example, not a forecast or a recommendation to invest. Investments can fall as well as rise and you may get back less than you put in. Check product rules and seek regulated advice if you need a personal recommendation. Planning estimate only — not financial advice. ISA allowances, tax treatment and product rules change; check current limits before acting. This tool does not account for irregular costs beyond what you have listed — add anything specific to your household for a more accurate picture.