UK Budget Planner

UK Budget Planner is completely free app that helps you to plan and track your budget, track and clear debts and reach your financial goals with easy to use interface.
The app follows StepChange Debt Charity method to help you clear your debts and reach your financial freedom. It is made for UK family homes.

YOUR BUDGET, CLEARLY
• Track income, fixed costs, and flexible spending by pay period
• See surplus or deficit at a glance on the dashboard
• Customise categories to match how you actually spend

DEBTS & PAYOFF PLANNING
• Log priority and non-priority debts with balances and payments
• Understand payoff progress and plan your next steps
• Optional reminders so repayments stay on track

GOALS, ASSETS & INSIGHTS
• Set savings goals and watch progress
• Record assets and savings for a fuller picture
• Analytics and recommendations based on your own numbers

PRIVATE BY DESIGN
• Offline-first — your budget lives on your device
• Optional PIN or biometric lock
• Encrypted local backups, plus optional Google Drive or iCloud
• No ads. We don’t sell your financial data.

IMPORT, EXPORT & RECEIPTS
• Import from CSV or Excel
• Export PDF or CSV for advisers or spreadsheets
• Scan receipts to speed up expense entry

Plenty of widgets, customisation options and accessibility features to help you along the way.

Whether you’re working through debt or simply want a clearer monthly plan, UK Budget Planner keeps the focus on numbers you can trust — without requiring a bank login.