Salary sacrifice cuts your tax, National Insurance and student loan. Net pay cuts tax only. Relief at source comes out of your take-home and the provider adds 20% back into the pot.

Everything below is editable in place, and every total updates as you type. Save in the top corner re-reads every field and rebuilds all the figures, if you ever want to be certain.

For a monthly subscription only the day matters — pick any date on the 17th and it means the 17th of every month. For quarterly and yearly ones, pick a real billing date so the cycle lines up.

Big once-a-year costs, spread over twelve months so they never ambush you. Enter what the whole year costs.

Mark a category Fixed when it leaves in one lump — rent, council tax, insurance. Fixed costs are held back from your daily spending figure instead of being spread across the month, so they never set off a pace warning on the 1st.