Budgeting tool
A clear monthly picture is the first step to staying in control. Enter what comes in and what goes out, and see whether you have money spare or a gap to close. It works for a director's own budget or a small company's monthly cash flow.
- Total outgoings
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- Surplus / shortfall
- —
How it works
Surplus = income − all outgoings
A positive number is money you could save or use to repay debt early. A negative number means you are spending more than you bring in — worth acting on before it becomes borrowing.
Worked example
Income of £2,500.00 a month against outgoings of £2,100.00 leaves a surplus of £400.00 — money you could put towards a cash buffer or paying down a balance.
Where to go next
- Loan affordability self-check — before any borrowing decision.
- Our business loan — the cost, the cap and who can apply.
- Help with payments — if money is tight, talk to us early.
- MoneyHelper — free, impartial money guidance backed by the government.
- gov.uk Business Finance Support — grants and finance you may be eligible for.