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Free online budget planning toolBe one of the first to get a clear view of your pensions and see how much you could get when you retire.What do I need to fill out the Budget planner?You’ll need to work out your income and spending across a few different categories. To help you, it’s a good idea to have these to hand:If you need some help working out your take home pay, you can also use MoneyHelper’s Salary calculator, it will show you how much you have left after tax, student loans and other deductions like National Insurance.How does the Budget planner work?The Budget planner adds up all your income and outgoings, and then shows you what’s left over. It breaks down where you’re spending your money, giving you an idea of where you might be able to make savings and cut costs.Tips for filling out the Budget plannerOur tool is more helpful when the numbers you give it are accurate. Here are some tips to make sure you get useful results.Work out who you’re budgeting forIt’s best to be consistent when working out your budget, so think about whether you’re including your partner, family members or just doing your own individual budget.Make sure your figures are accurateUsing bank statements or your banking app can help to make sure the numbers you’re putting in are realistic. It’s important to do this, as it’ll give you a clear picture of where you’re spending your money.Use ‘per year’ if a cost changes regularlyOur Budget planner lets you change the time period for each entry. So, if one of your costs varies from month to month, you can enter a yearly amount instead and the tool will break that down to a monthly average.I’ve filled out my Budget planner. What do I do now?It depends on what your situation is:You might want to think about your options for saving. We have a number of guides about Savings that can help you understand your options and what might work best for you.