See exactly where your money goes between paydays

It's almost never about discipline — it's the gap between payday and a plan. Put your numbers in below and watch, in real time, where your money is actually going. No jargon, no judgement.

Money works best in an order: give first, save on purpose, then live on the rest. Proverbs 3:9 — Honour the Lord with your wealth, with the firstfruits of all you have.

Your numbers

Monthly amounts. Estimate where you're not sure — you can adjust as you go.

Take-home pay What actually lands in your account each month

First — give & save

Giving

Saving

Essentials — the fixed bills

Housing

Utilities & council tax

Transport

Insurance

Debt repayments

Other essentials

Lifestyle — the flexible spending

Groceries

Eating out & coffee

Shopping

Subscriptions

Fun & leisure

Other

The Payday Planner — your monthly picture

Unspoken-for each month

£0

Giving £0

Saving £0

Essentials £0

Lifestyle £0

Unspoken-for £0

Your give / save / spend rhythm

Give 0%

Save 0%

Live on 0%

This is just the beginning

The Payday Planner is a small taste of what we're building at the Christian Finance Academy — clear, faith-rooted money tools with no jargon and no shame. Come and see the full picture at our free online masterclass.

Save my spot at the free masterclass

Free · online · nothing stored from this tool — your numbers stay on your device.