The UK budget app that shows what you can safely spend today.
Your household bills, who pays what, and what’s left until payday. Set up bills and monthly spending allowances once. Check what’s safe to spend without logging every shop. No bank connection. £3/month solo or £5/month for shared household logins after your free trial.
Pricing
£3/mo
One plan, everything included. £5 a month if you share it with your household.
Privacy
No bank logins. Ever.
Credit accounts
Balances, limits and utilisation per person.
Outgoings
Bills and spending in one running list.
Income
Every payday, wage, benefit and side hustle
Add it once, it repeats. Your forecast updates the moment anything changes.
Safe to spend
Daily figure
Income, minus paid outgoings, minus every bill still to leave your account. That is what is genuinely yours today.
Every screenshot on this page is the actual app, not a marketing mock-up.
People who ditched spreadsheets
In tracked transactions
Minutes to set up
This is your life right now
Still using spreadsheets to manage your money? If any of this sounds familiar, you're in the right place.
Spending hours updating a spreadsheet nobody reads
Add your info once. We generate insights, alerts and summaries automatically.
Getting blindsided by a bill you forgot about
Your 30-day timeline shows every bill before it hits. We warn you 3 days ahead.
Having no idea where last month's money went
We break it down by category and tell you exactly what changed month-on-month.
Juggling five banking apps and none of them help
One dashboard. Smart insights. Safe-to-spend calculations. Done.
Everything a UK budget planner needs. Nothing you don't.
A simple budgeting tool built for real people in the UK, not accountants with pivot tables.
We Tell You What's Happening With Your Money
Safe-to-spend amounts, daily allowances, overspending alerts and category breakdowns, all generated automatically. You just check in.
Your dashboard calculates what you can safely spend each day, warns you if you're on track to overspend, and highlights exactly where your money goes. No formulas. No faff. Just smart, honest answers.
Try it nowKnow Exactly What's Coming In
Salary, freelance, Universal Credit, PIP, pensions, log it once and it repeats every month. We track the trends for you.
Whether you're employed, self-employed, or on benefits, it all lives here. Tag income by source, mark it recurring, and your dashboard shows month-on-month changes automatically.
Try it nowBills Sorted. Spending Tracked. You're Warned Before It's Too Late.
We monitor your spending pace against your budget and alert you before you overspend. Subscriptions are tracked automatically.
Every bill feeds into your forecast. Set budgets and we'll tell you if you're on track to exceed them. See your total subscription cost at a glance. Progress bars go red when you're near the limit.
Try it nowAll Your Debt, One Honest View
Credit cards, store cards, balances, limits, APRs and minimum payments, all on one screen. See your total utilisation at a glance.
Stop logging into five different apps. Add your credit accounts, track balances, and minimum payments flow straight into your cashflow forecast. Plan your payoff. See the finish line.
Try it nowBudget spreadsheet vs actually knowing
One costs your sanity. The other costs £3.
More than you'd expect for £3
Every feature included. No premium tier. No upsells. No surprises.
Safe to Spend
We calculate your daily spending allowance automatically. Updates in real-time as you spend and as bills come in.
Household Sharing
Invite your partner, family, or housemates. Everyone sees the full picture. We track who's spending what.
Benefits Tracking
Universal Credit, PIP, ESA, Child Benefit, Carer's Allowance, all tracked as income. Because it is.
Overspending Alerts
We monitor your spending pace and warn you before you go over budget. 'At this rate, you'll overspend by £240.'
Your Data, Locked Down
Encrypted storage, row-level security, HTTPS everywhere. Only you and your household see your finances.
Works on Any Device
Phone, tablet, laptop, desktop. Your finances travel with you. No app download needed.
Smart Monthly Reports
Auto-generated summaries with spending trends, category breakdowns, and personalised recommendations.
Subscription Tracker
See all your recurring payments in one place. Total monthly cost, number of subscriptions, and any increases.
Everything Included
No hidden dashboards. No premium features behind a paywall. You get the lot. Always.
Set up your budget in under five minutes
Seriously. Five steps and you'll wonder why you ever used a spreadsheet.
Create your account
Email and password. That's literally it. No bank details, no credit card, no twenty-step onboarding. You're in.
Add what comes in
Salary, benefits, pension, freelance gigs, add each one with the amount and how often it comes in. Done once, repeats forever.
Add what goes out
Rent, council tax, utilities, subscriptions, insurance. Amount, due date, frequency. That's it. We handle the rest.
Let us do the thinking
We calculate your safe-to-spend, track your spending pace, alert you before you overspend, and break down where every pound goes.
Check in, don't manage
Open your dashboard and we tell you what's happening. Smart insights, monthly summaries, and honest recommendations, no spreadsheets required.
People who get it
Real users. Real money. Real clarity.
"I used to spend my Sunday evenings buried in a spreadsheet. Now I open The Life Buddy, and everything's just there. The 30-day forecast is genuinely brilliant, I can see if I'll be short before payday."
Sarah M.
Freelance Designer
"My partner and I finally stopped arguing about money. We both log in, see the same dashboard, and we're on the same page. Literally. The household plan is worth every penny of that fiver."
James T.
Dad of 2
"Tracking my Universal Credit alongside my part-time income in one place has been a game changer. No formulas, no tabs, no stress. I actually understand my money now. Genuinely life-changing."
Priya K.
Student
Free UK money calculators, no signup
Try the maths before you try the app. Every one of these is free and needs no email.
Costs less than a coffee a month
Every plan starts with 14 days free and no card needed. Cancel whenever. No catch.
14 days free, no card needed
Everything you need. Just you.
- Full 30-day cashflow dashboard
- Income tracking with source filtering
- Bill management with reminders & alerts
- Monthly budget tracking with spend logging
- Savings goals with visual progress
- Credit account overview & debt payoff planner
- Auto-generated monthly reports
- Benefits and pension tracking
- Bank-level data security
- Works on phone, tablet and desktop
- All future updates included
- Cancel anytime, no lock-in
14 days free, no card needed
For couples, families, and housemates. Everyone gets their own login.
- Everything in Personal, plus:
- Invite unlimited household members
- Each member gets their own login
- Assign bills & income to individuals
- Combined household financial view
- Track everyone's spending in one place
- Perfect for couples & families
Secure payments powered by Stripe. No credit card required to sign up. Cancel anytime, no questions asked.
Budget app questions, answered
Here's the straight-up answers. No waffle.
£3/month for one person. £5/month for a household where everyone gets their own login. Both plans include every feature, and every new account gets 14 days free with no card details required.
Yes. The Household plan lets you invite members by email. Everyone gets full access to the shared finances. Assign bills to specific people so everyone knows who's paying what.
Built in. Universal Credit, PIP, ESA, Child Benefit, Carer's Allowance, log them as recurring income and they appear on your dashboard automatically.
Your data is encrypted at rest and in transit. Row-level security means only you and your household can see your finances. We never share or sell your data. Payments are handled securely by Stripe.
Absolutely. Works beautifully on any screen, phone, tablet, laptop, desktop. No app download required.
Most apps connect to your bank and categorise what you already spent. The Life Buddy looks forward, your next 30 days. It's a cashflow tool, not a bank scraper.
No. Everything is manual entry. You control exactly what goes in. No bank connections, no open banking, no third-party access to your accounts.
Yes. No contracts, no lock-in, no awkward phone calls. Cancel whenever you want. Your data stays available until the end of your billing period.
Constantly. We ship updates based on what users actually ask for. Your subscription gets better every month, and you never pay more.
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