Give every pound a job
Envelope budgeting is one of the oldest and most effective ways to control spending. You split your income into named categories and treat each one as a hard limit, so the money runs out of an envelope before it runs out of your account. This calculator does the splitting for you: enter your take-home pay, assign a percentage to each envelope, and it shows the exact amount to load into every one.
Balance to a hundred
The power of the method is that nothing is left to chance. As you set percentages, the tool tracks your total allocation and the amount still unassigned. A plan that totals less than a hundred percent leaves money drifting without a purpose, and one that tops a hundred spends more than you earn — both are flagged clearly so you can adjust until every pound is accounted for. That is the definition of a zero-based budget.
Private by design
Your salary is sensitive, so this tool never sends it anywhere. All the maths runs on your own device, and nothing you type is stored or transmitted. That makes it safe to plan with your real numbers rather than rounded guesses, which is the only way a budget actually reflects your life.