Monday 27th July 2026

Where does it all actually go?

Most budgeting falls apart at the same place: two people, two incomes, one pile of bills, and no honest answer to who pays what. So you split everything down the middle, the higher earner quietly resents it, and nobody saves a thing.

This sorts the first part for you. Put in what you each take home, list the bills, and it splits them by income — so the person earning more pays more, which is the fair version even if it doesn’t feel like it at 7am. Then it shows you what’s genuinely left, and whether any of it is making its way into savings or just evaporating.

Nothing to download, nothing to install. Change the numbers and watch it work. On your own? Leave the second person blank.

The 50/30/20 Household Budget — Mouthy Money
Mouthy Money · Free Tool

The 50/30/20 Household Budget

Split the bills fairly, then see exactly what’s left — and whether you’re saving enough.

Household spare each month
£0
Enter your numbers below to begin.
What’s left after billsSavings target: £0
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Total income £0 after total bills of £0
01Your income
Take-home pay, monthlyAmount

Budgeting on your own? Just leave Person 2 blank.

Total household income£0
Share of income 
Person 1—
Person 2—
02Joint bills
Shared cost, monthlyCost
Total joint bills£0
03The fair split

Each person pays in proportion to what they earn.

Bill sharePays
Person 1£0
Person 2£0
Left after billsSpare
Person 1£0
Person 2£0
Household spare£0
04The 50 / 30 / 20 check
Needs — target 50%£0
Wants — target 30%£0
Savings & debt — target 20%£0

A guide, not a rule. The point is to know where your money actually goes.

Break down each person’s spare See where your own leftover goes — with a savings line built in.
Person 1 to allocate: £0
Unallocated£0

Person 2 to allocate: £0
Unallocated£0

Edit any field to make it your own. Everything updates as you type.

Mouthy Money · free budgeting tool · not financial advice