UK Payday & Bills Planner

Enter your payday and your regular bills. See what’s already committed before each payday, what’s left from your pay, and a steady monthly set-aside for the bigger costs you know are coming. Rough numbers are fine.

1. Your pay How often are you paid?

On a day of the month Last working day of the month

Day of the month 1 to 31. In shorter months, the 29th–31st become the last day of the month.

Take-home pay each payday (£) Optional. Used for “left to spend”.

If a payday falls on a weekend or bank holiday, show it on the working day before

Bank holidays for

Bank holidays for 2026–2028 from gov.uk. Some employers and benefits pay on a different day. Check gov.uk and your employer or benefit provider for your situation.

How many pay periods to show

2. Your regular bills

Rent or mortgage, Council Tax, energy, phone, subscriptions and so on. For monthly bills, give the day of the month. For everything else, give one due date and we’ll repeat it.

3. Sinking funds

A sinking fund is money you put aside a little at a time for a cost you know is coming. Add a yearly cost and see one steady monthly amount.

Quick add:

Also set aside for my quarterly and yearly bills, instead of paying them from one pay They then show as “from sinking funds” in the pay periods, so nothing is counted twice.

Your plan

Your data

Saved automatically in this browser only. Export a backup file to move it to another device.

How to use this free payday planner (UK)

This free payday planner for the UK works from one payday to the next. Enter your paydays and your regular bills, and it shows what’s already committed before each payday, what’s left from your pay, and a steady monthly set-aside for sinking funds. It runs in your browser with no accounts, and rough numbers are fine.

Step by step

Choose your pay frequency: monthly, every four weeks, fortnightly or weekly. For monthly pay, pick a day of the month or the last working day. For the others, enter the date of one payday and the planner counts on from it.
Add your take-home pay (optional). It’s only used to show what’s left to spend.
Choose your bank holidays: England and Wales, Scotland or Northern Ireland. Leave the box ticked to show a weekend or bank-holiday payday on the working day before. Some employers and benefits pay on a different day, so check with yours.
Add your regular bills. For a monthly bill, give the day of the month. For anything else, give one due date and the planner repeats it.
Add sinking funds for yearly costs, with the quick-add buttons or your own. Leave “Also set aside for my quarterly and yearly bills” ticked and those bills show as “from sinking funds” in each pay period, so nothing is counted twice.
Pick 3 to 6 pay periods and read your plan. Export a backup, print it, or use “Clear my data”.

Questions

Does the payday planner work for four-weekly or weekly pay?

Yes. Choose Every four weeks, Fortnightly or Weekly, enter the date of one payday, and the planner counts on from that date in steps of the same length.

What happens if payday falls on a weekend or bank holiday?

If the box is ticked, the planner shows that payday on the working day before. It uses gov.uk bank holidays for 2026 to 2028, for England and Wales, Scotland or Northern Ireland.

Where is my information kept?

Only in this browser on this device. There are no accounts, and what you type isn’t sent to us. Use Export to make a backup file you can move to another device.

Is this financial advice?

No. It’s an organising tool for your own numbers, and every decision is yours. For free, impartial help, contact MoneyHelper, Citizens Advice or StepChange.

Related free tools

Sinking Funds Calculator to work out each sinking fund in more detail.
Annual Subscription Cost Checker to see what your subscriptions add up to over a year.
All free UK money tools

If you’d like it on paper, our 2027 UK Household Budget & Bill Tracker is a fillable, printable tracker for bills, sinking funds and each pay period, for monthly or four-weekly pay.

Not financial advice. These tools help you organise your own numbers. For free, impartial help: MoneyHelper, Citizens Advice and StepChange.