Income & Expenditure

In our experience, a repayment plan is more likely to be successful when the amount is based on the day to day reality of available income.

Our easy to use calculator captures your incoming & outgoing funds, then helps you find a sustainable repayment plan that you can afford and are comfortable with.

Income & Expenditure Calculator

Calculating an affordable repayment plan is easy using our online tool.

This electronic form provides a secure, convenient & useful way to capture your monthly incomings, outgoings and clearly shows you the amount that is affordable to pay towards your outstanding account(s).

It’s important that you take the time to complete this fully and accurately, paying special attention to your priority outgoings such as council tax, mortgage/rent and utilities.

Don’t worry if you can’t complete it all at once due to time or not having all your information to hand as you can save as you go and return to it at any time to add, update or change existing information.

This budget planner is replicated from the Money Advice Service’s (MAS) Standard Financial Statement (SFS).

MAS is an impartial body set up by government and the SFS is a tool used to summarise a person's income and outgoings, along with any debts they owe.

Your Account Number

This is your NCO reference number this can be found on the top of any correspondence you receive from us.

 

Forgotten your Account Number?

This is your NCO reference number this can be found on the top of any correspondence you receive from us. If you are still unable to locate this please call our team on 0330 060 1006

 

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About

Monthly Income

Earnings

£
£
£
£

Benefits and tax credits

£
£
£
£
£
£
£
£
£
£
£
£
£
£

Pensions

£
£
£
£
£

Other income

£
£
£
£
£
£
£

Monthly Outgoings: Fixed costs

Home and contents

£
£
£
£
£
£
£
£
£
£

Utilities

£
£
£
£
£

Water

£
£
£

Care and health costs

£
£
£
£
£
£
£

Transport and travel

£
£
£
£
£
£
£
£
£

School costs

£
£
£
£

Pensions and insurances

£
£
£
£
£
£
£

Professional costs

£
£
£
£
£

Other essential costs

£
£
£

Monthly Outgoings: Flexible costs

Communications and leisure

£
£
£
£
£
£
£
£

Food and housekeeping

£
£
£
£
£
£
£
£
£
£

Personal costs

£
£
£
£
£
£
£
£

Savings

This is the potential amount you can put into savings each month, but if this isn't possible leave the amount empty. The amount is limited to 10% of your monthly surplus income, up to a maximum of £20.
£
Please ensure that the amount you've provided is affordable before proceeding.
£
£

Debts - Priority and Non Priority

Priority Debts

£
£
£
£

Non-Priority Debts

£
£
£
£
£
£

Summary

About

Name
Date of Birth (dd/mm/yyyy)
Application
Address
Dependent Children
Under 16
16-18
Other Dependants
Number in Household
Number of Vehicles in Household
Housing Tenure
Employment (Client)

Overview

Total Income
£
Total Outgoings
£
Income - Outgoings
£
Savings Contribution
£
Total available for Priority Creditors
£
Total available for Non-Priority Creditors
£
Total available after Creditor Payments
£

Monthly Income

Earnings

Personal salary or wages (take home)
£
Partner salary or wages (take home)
£
Other earnings (including self employment)
£
Total salary and wages per month
£

Benefits and tax credits

Universal Credit
£
Jobseeker's Allowance (income based)
£
Jobseeker's Allowance (contribution based)
£
Income support
£
Working Tax Credit
£
Child Tax Credit
£
Child Benefit
£
Employment and Support Allowance or Statutory Sick Pay
£
Disability Benefits
£
Carer’s Allowance
£
Local Housing Allowance / Housing Benefit
£
Council Tax support
£
Other benefits/tax credits (e.g. maternity benefits)
£
Total benefits and tax credits per month
£

Pensions

State pensions
£
Private or work pensions
£
Pension Credit
£
Other pensions
£
Total pensions per month
£

Other income

Maintenance or child support
£
Boarders or lodgers
£
Non-dependants’ contributions
£
Student loans and grants
£
Other income
£
Total other income per month
£
Monthly total income
£

Monthly Outgoings: Fixed costs

Home and contents

Rent
£
Ground rent & service charges (factor fees if you live in Scotland)
£
Mortgage
£
Mortgage endowment
£
Secured loans
£
Council tax/rates (including water charge if you live in Scotland and rates in NI)
£
Appliance & furniture rental (including appliance and furniture HP, conditional sale and so on)
£
TV licence
£
Other costs
£
Total home & contents costs per month
£

Utilities

Gas
£
Electricity
£
Other costs (including coal, oil, calor gas etc.)
£
Other expenditure
£
Total utilities costs per month
£

Water

Water supply
£
Water waste
£
Total water costs per month
£

Care and health costs

Childcare costs
£
Adult-care costs
£
Child maintenance or child support
£
Prescriptions and medicines
£
Dentistry and opticians
£
Other costs
£
Total care and health costs per month
£

Transport and travel

Public transport (e.g. work, school, shopping)
£
Hire Purchase or conditional sale vehicle
£
Car insurance
£
Road tax
£
MOT and ongoing maintenance
£
Breakdown cover
£
Fuel, parking and toll road charges
£
Other costs (including taxis)
£
Total transport and travel costs per month
£

School costs

School uniform
£
After-school clubs and school trips
£
Other costs
£
Total school costs per month
£

Pensions and insurances

Pension payments
£
Life insurance
£
Mortgage payment protection insurance
£
Buildings and contents insurance
£
Health insurance (medical or accident or dental)
£
Other costs
£
Total pensions and insurance costs per month
£

Professional costs

Professional courses
£
Union fees
£
Professional fees
£
Other
£
Total professional costs per month
£

Other essential costs

Total other essential costs per month
£
Monthly total fixed cost outgoings
£

Monthly Outgoings: Flexible costs

Communications and leisure

Home phone, internet, TV package (including film subscriptions)
£
Mobile phone
£
Hobbies, leisure or sport (e.g. socialising, eating out, outings, clubs, leisure courses)
£
Gifts (e.g. birthdays, festivals, charity donations)
£
Pocket money
£
Newspapers, magazines, stationery and postage
£
Other costs
£
Total communications and leisure costs per month
£

Food and housekeeping

Groceries (e.g. food, pet food, non-alcoholic drinks, cleaning)
£
Nappies and baby items
£
School meals and meals at work
£
Laundry and dry cleaning
£
Alcohol
£
Smoking products
£
Vet bills & pet insurance
£
House repairs and maintenance
£
Other costs
£
Total food and housekeeping costs per month
£

Personal costs

Clothing and footwear
£
Hairdressing
£
Toiletries
£
Other costs
£
Total personal costs per month
£
Monthly total flexible cost outgoings
£
Monthly total outgoings
£
Monthly Total Available for Creditors
£

Savings

Potential Monthly Saving Amount
£
Monthly Savings Contribution
£
Monthly Total Available for Creditors
£

Debts - Priority and Non Priority

Priority Debts

Total Priority Debts
£
£

Non-Priority Debts

Total Non-Priority Debts
£
£
Total Debts
£
£
Need to speak to a member of our team?
Please call us on 0330 060 1500
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