Managing your money doesn’t have to be complicated. With the right tools, you can track your spending, set savings goals, compare bills, and make smarter financial choices — all without feeling overwhelmed.
This page brings together some of the most useful money tools to help you save more, spend wisely, and build financial confidence. Whether you’re trying to stick to a weekly budget, find better energy deals, or start a side hustle, these tools are here to make life easier.
🧾 1. Budget Calculators
A good budget is the foundation of financial control. Budget calculators help you see exactly where your money goes each month — rent, bills, food, transport, entertainment, and savings.
Try out a monthly budget planner or 50/30/20 calculator (where 50% of income goes to needs, 30% to wants, and 20% to savings). It’s a simple way to get started if you’re new to budgeting.
Many people find that once they see their spending in black and white, they naturally start to make better choices. It’s not about cutting everything out — it’s about making sure your money aligns with your priorities.
Recommended tools:
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MoneyHelper Budget Planner (free and UK-based)
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Google Sheets monthly budget template
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Excel’s built-in “Personal Budget” template
💰 2. Savings Trackers
If you’ve ever started saving for something and lost motivation halfway, you’re not alone. Savings trackers help you visualise your progress — and that can make all the difference.
From simple spreadsheets to interactive apps, you can track goals like holidays, emergency funds, or a first home deposit. Set targets, log your deposits, and watch your savings grow.
Tip: Create a few different “pots” for your savings using a digital bank like Monzo, Starling, or Chase UK. These apps let you name each pot (like “New Laptop” or “Christmas Fund”) and move money between them easily.
📉 3. Bill Comparison Tools
Household bills can eat up a huge chunk of your income — but they don’t have to. Switching providers is one of the easiest ways to save hundreds of pounds a year.
Comparison tools let you find the best deals on gas, electricity, broadband, mobile contracts, and insurance. Just make sure to read the small print and check for exit fees or contract terms.
Recommended tools:
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Compare the Market
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MoneySuperMarket
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Uswitch
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Go.Compare
A quick 10-minute switch could save you far more than skipping your morning coffee ever could.
🛒 4. Shopping & Cashback Apps
Why pay full price if you don’t have to? Shopping tools and cashback platforms help you save money on everyday spending — from groceries to holidays.
Install a browser extension like Honey or Pouch to automatically find voucher codes when you shop online. Use cashback sites such as TopCashback or Quidco to earn money back on your purchases.
And don’t forget supermarket loyalty schemes — Tesco Clubcard, Nectar, and Lidl Plus can all make a real difference over time.
📊 5. Expense Trackers
It’s easy to underestimate how much we spend on “little things” — coffees, snacks, takeaways, subscriptions. Expense tracker apps help you categorise and review your spending habits in real time.
Apps like Emma, Money Dashboard, and Snoop connect directly to your bank accounts (using secure Open Banking technology) so you can see all your finances in one place.
The key is consistency — check in once a week, spot patterns, and adjust where needed. You’ll quickly spot where those hidden pounds are going.
💼 6. Side Hustle Helpers
Earning a bit extra can transform your budget, but it’s not always clear where to start. These tools and platforms can help you find and manage side hustles safely:
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Upwork or Fiverr for freelance work
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Vinted or eBay for selling clothes and goods
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TaskRabbit for local jobs
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Airbnb for renting out a spare room or parking space
Use a simple income tracker to monitor your extra earnings and set aside a portion for tax if you’re self-employed.
🧮 7. Debt Calculators
If you’re paying off credit cards, loans, or overdrafts, a debt calculator can help you build a realistic repayment plan. It shows how long it’ll take to clear your balance — and how much you’ll save by paying extra each month.
Look for a snowball or avalanche method calculator to see which strategy suits you best. Clearing debt isn’t easy, but with structure and motivation, it’s absolutely achievable.
Recommended tools:
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StepChange Debt Calculator
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MoneySavingExpert’s Credit Card Repayment Calculator
🔐 8. Credit Checkers
Your credit score affects everything from getting a mortgage to signing up for a mobile plan. Checking it regularly helps you spot errors and understand how lenders view you.
Free tools like ClearScore, Experian, or Credit Karma give you access to your report and tips for improving your score over time.
🧠 9. Learning Resources
Financial knowledge is the best tool of all. Bookmark a few reliable resources for UK money advice, such as:
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MoneySavingExpert (guides and deals)
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MoneyHelper (official government-backed advice)
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The Financial Times (for investing and economy updates)
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r/UKPersonalFinance (a helpful online community)
Learning a little each week compounds — just like saving money.