Ari Wealth

Personal Budget Planner

Income · Bank accounts · Costs · Debts · Auto-generated plan · All amounts in GBP · UK edition
How to use this in five minutes:
  1. Income: what lands in your account each month after tax.
  2. Bank accounts: current balances. This is your cash. We compare it to the emergency fund target later.
  3. Monthly fixed costs: bills that hit every month at roughly the same amount. Rent or mortgage (if monthly), council tax, gas, electricity, water, broadband, TV licence, mobile, gym.
  4. Variable / lifestyle: roughly what you spend on groceries, eating out, taxis, fun.
  5. Sinking funds: anything not paid monthly. Yearly rent, car insurance, medical insurance, holidays, clothes. Enter the cost, how often it's paid, and when it next falls due. The tool splits it into a monthly amount plus a one-off catch-up if you're already part-way through the cycle (e.g. medical insurance bought 2 months ago, you need to backfill 2 months of contributions today).
  6. Debts: credit cards, loans, car loans. The monthly payment counts as an outflow.
What the plan tells you, in priority order:
  1. Clear high-interest debt first. Anything above 15% APR (most credit cards). The interest you save beats most investment returns, so there is no point investing while you carry it.
  2. Then build a 3-month emergency fund. Three months of essential spending sitting in cash. Red bar until you've covered it, green once you have.
  3. Then put protection in place. Personal life and critical illness cover, plus a will. Protect the foundation before stacking anything on top.
  4. Then invest. The Investable Capital box stays locked until all of the above are in place. Once it unlocks, that's the money that goes to work.

Monthly Income

Net take-home, after tax and deductions. Add a row for each income stream.
SourceMonthly (GBP)
Total monthly income0

Bank Accounts & Cash

Current balances across your accounts. This is your liquid cash, used to check whether your emergency fund is already covered.
AccountBalance (GBP)
Total cash0

Monthly Fixed Costs

Costs paid every month at roughly the same amount. Rent or mortgage (if monthly), council tax, gas, electricity, water, broadband, TV licence, mobile, gym.
ItemMonthly (GBP)
Total fixed0

Variable / Lifestyle

Estimated month-to-month spending. Groceries, eating out, fuel, taxis, fun.
ItemEstimated monthly (GBP)
Total variable0

Non-Monthly Costs · Sinking Funds

Anything not paid monthly. Yearly rent, car insurance, medical insurance, holidays, clothes budget. Enter the cost, how often it's paid, and when it next falls due. The planner calculates the monthly amount and any catch-up top-up needed if you're already part-way through the cycle.
ItemCost (GBP)FrequencyNext dueMonthly / catch-up
Total monthly into Spaces0
One-off catch-up needed today0

Debts & Loans

Credit cards, personal loans, car loans, mortgage. The monthly payment adds to your outgoings. High-interest debt (anything above 15% APR) is flagged in the plan.
NameBalance (GBP)Monthly payAPR %
Total balance00

Your Plan · Auto-generated

Updates as you edit. Numbers in GBP unless stated.
Monthly income
0
Total monthly outflow
0
Monthly surplus / deficit
0
Emergency fund target (3 mo)
0
Emergency fund: not yet funded
0%
0 of 0 GBP
Build this up before investing. Your monthly surplus goes here first.
Wealth Foundation · tackle in this order
1
Clear high-interest debt
Anything above 15% APR, typically credit cards. Pay these off before saving or investing — the interest you save beats most investment returns.
pending
2
Emergency fund · 3 months
Three months of essential spending sitting in cash (Revolut main balance). Don't touch unless you lose income or face a real emergency.
pending
3
Life & critical illness cover
Protect your income before building assets. Rule of thumb sum assured: 2× annual outgoings = 0 GBP. Pricing depends on age, health, smoker status, so a quote is the only way to know. Shop around with a UK broker (Compare The Market, Money Supermarket, your own).
4
Will in place
A simple UK will covering your assets and (if relevant) guardianship of children. Without one, UK intestacy rules decide who inherits, which often is not what you would have chosen. A solicitor can draft a straightforward will for £150 - £400, or services like Co-op Legal, Farewill and Octopus Legacy offer fixed-fee options.
5
Invest the surplus
Only once steps 1-4 are in place. Your investable capital appears in the box below.
locked
Investable capital · locked until emergency fund hit
Lump sum available now
0
Monthly going forward
0
Once your cash covers the emergency fund target, the surplus above target becomes investable as a lump sum, and your monthly surplus becomes investable each month.
Investment work with Ari starts at USD 250,000

How to set this up

A
Open a Revolut account (or Monzo / Starling if you already use one)
UK digital bank, free, takes about 10 minutes via the app with a photo of your driving licence or passport. Revolut "Pockets" (or Monzo "Pots", Starling "Spaces") let you ringfence money inside one account so holiday money doesn't get spent on rent. Target for the emergency fund: 0 GBP.
B
Create these Pockets in Revolut (or Pots in Monzo, Spaces in Starling)
One Pocket per non-monthly cost. Set a single standing order from your salary account into Revolut each payday and distribute into each Pocket.
Space nameMonthlyMonths leftTop-up today
Add non-monthly costs above and they'll appear here.
Total to fund Spaces00
"Top-up today" is the cumulative amount that should already be in each Space if you started funding it from the last renewal. Transfer it as a one-off, then your monthly standing order keeps each Space on track.
C
Set up your monthly money flow
Automate it once and it runs itself.
Salary lands in your main account0
Keep in main for day-to-day (fixed + variable)0
Debt payments0
Standing order to Revolut Pockets (sinking funds)0
Surplus to Revolut for emergency fund, then investing0
One-off top-up today: Transfer 0 GBP into your Revolut Pockets now to cover months already elapsed for items already part-way through their cycle. After that, the monthly standing order alone keeps each Pocket funded.
You're in deficit. Your outflows exceed your income by 0 GBP a month. Trim variable spending or reduce a sinking fund target until this turns positive.
High-interest debt flagged: One or more debts are above 15% APR. Paying these down beats most investment returns. Prioritise these before building anything beyond a small emergency buffer.

Save or Share Your Plan

Three ways to keep or send what you've built.