Budget planner
Build a monthly budget you can actually follow
Spendika helps you turn income, bills, flexible spending and savings targets into a monthly budget you can check against real expenses.
Spendika preview
£432.60
Tracked this month
Capture
Enter your income, fixed bills and spending categories.
Review
Set realistic monthly limits for the areas you want to control.
Plan
Check progress during the month and adjust the plan when life changes.
What it covers
Practical money tracking, not empty promises
Everything on this page is available in Spendika today, on the web and in the iPhone and Android apps.
Privacy and security
Your account is protected by sign-in and optional two-factor authentication, the site and apps use HTTPS, receipt images are private to your account, and you can export or delete your data at any time.
Read the security pageFree and Premium
The free plan covers everyday tracking and planning. Premium adds unlimited receipt scans, AI categorisation and the money assistant, smart insights and alerts, unlimited budgets and goals, and advanced reports.
Compare plansQuestions people ask
Can I set a monthly category budget?
Yes. Budgets can be linked to a category or used as an overall monthly limit.
Does Spendika show what is left?
Yes. Once you complete Monthly Money Setup, the dashboard shows what is left after fixed commitments and confirmed spending.
Can I use it with irregular income?
Yes. Record income as it arrives and plan from your lowest normal month; our guide to budgeting with irregular income explains how.
Do the calculators require sign-up?
No. The free calculators show results without registration.
Can budgets link to goals?
Budgets and savings goals are separate, and Spendika shows how your spending affects how much you can save.
Guides
Guides on this topic
How to Create a Monthly Budget
Start with income, subtract fixed bills, set category limits and keep a small buffer for real life.
The 50/30/20 Budget Explained
The 50/30/20 split is a simple starting point: needs, wants and savings, adjusted to fit your real bills.
Weekly Versus Monthly Budgeting
Weekly reviews help day-to-day control, while monthly budgets show whether the full plan is working.
How to Budget with Irregular Income
Use a baseline month, separate tax or annual costs, and plan from your lowest reliable income rather than your best month.
How Much Can I Safely Spend Today?
Estimate safe spending from income minus fixed commitments, confirmed expenses and planned savings.
How Much Should You Budget for Groceries?
Set a weekly food budget from four weeks of your own receipts, find where grocery money leaks and cut the bill without eating worse.
Why Budgets Fail (and How to Make One That Sticks)
The common reasons budgets fail, why saving often does not happen, and how to recover from a bad month without starting again.
How to Build an Emergency Fund
Estimate essential monthly costs, choose a realistic cover period and build the fund with a monthly saving target.
How Much Emergency Fund Do You Need in the UK?
Most UK guidance suggests three to six months of essential costs. Work out your figure, where to keep it and how long it takes to build.
How to Set Savings Goals You Will Actually Reach
Turn a wish into a goal with an amount and a date, work out the monthly figure, put goals in order and choose where to keep the money.
How Much Savings Should You Have by Age?
Savings and pension benchmarks for your 20s to 60s, why averages mislead and what to do if you are behind.
Should You Save or Pay Off Debt First?
Build a small buffer, clear the most expensive debt, then grow your savings – with the avalanche and snowball methods and free UK debt help.
The True Monthly Cost of Running a Car in the UK
Finance is only part of it. Add insurance, fuel, vehicle tax, MOT, servicing, parking and depreciation to see what your car really costs each month.
How to Budget for a Holiday from the UK
Plan travel, accommodation, daily spending, one-off costs and a contingency, then turn the total into a monthly saving target.
Your plan is ready.
Create a free Spendika account to save it, record actual spending and see whether you are staying on track.