Everyday money
Get on top of my budget
Find breathing room, understand regular spending and prepare for unexpected bills.
Explore this decisionBudget Wizard · Money guides
Make your next money decision feel simpler.
Whether the question is debt, a move, a new car or making your money stretch further, start with what matters to you. Follow a practical route from understanding your situation to comparing your options.
✓ Plain English✓ Free planning tools✓ No account needed to browse
Choose a starting point
What are you trying to work out?
Pick a situation. Each route takes you to relevant tools, questions and practical next steps.
Borrowing
Deal with expensive debt
Compare repayment strategies and see how payments change your timeline.
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Home & moving
Work out my housing choices
Test rent, deposit, buying and moving costs before committing.
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Saving & goals
Make better use of spare money
Explore emergency cash, saving, mortgage overpayments and pension trade-offs.
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Life decisions
Understand the true cost of a car
Look beyond monthly finance payments to running costs and depreciation.
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Resilience
Prepare for the unexpected
Pressure-test your budget against an income drop or a sudden large bill.
Explore this decisionSimple steps
From uncertainty to a clearer plan
Budget Wizard helps you ask the right questions before committing to a big financial decision.
Understand your position
Start with income, essential spending, commitments and any accessible savings. You don't need perfect numbers to make progress.
Try a scenario
Use a calculator to change the assumptions: interest rates, time horizons, repayments or unexpected expenses.
Choose your next action
Compare the trade-offs, check real rates and eligibility, and decide which question to investigate further.
Practical guides
Explore the full guide library
These guides come from Budget Wizard's published money guide database. Search by the problem or outcome that matters to you.
Mortgage & RefinancingRates, remortgaging and what you can afford.
Debt & LoansRepayment plans and borrowing decisions.
Budgeting & SavingMake the month work and build a buffer.
Car FinanceUnderstand monthly cost and total borrowing.
Energy & BillsReduce pressure from essential household costs.
No matching guides. Try a broader search.
Know your priorities
Start with your finances as they are today.
The Money MOT gives you another way into the planning tools. If you are behind on priority bills or facing urgent debt issues, specialist free support may be more useful than a calculator.
Planning information, not personal financial advice. Figures and examples are estimates. Check relevant product terms, tax rules, rates and eligibility before making financial commitments.