Cash Stuffing Calculator (Free) - UK Envelope Budget Planner

Use this free cash stuffing calculator to plan your envelope budget: bills first, then envelopes (spending categories), then sinking funds (future costs). You’ll see how much is left each month after essentials.

This tool provides scenario estimates based on what you enter. It is information only and not regulated debt advice. If you need free, regulated help, see StepChange or National Debtline.

Free Cash Stuffing Calculator UK | Envelope Budget Planner | DebtRiot

Cash Stuffing Calculator

Plan your envelope budget, set savings goals, and see exactly how much to put away each payday.

Monthly buffer remaining
£0
Enter income
Step 1

💰 Your Income

How much do you take home and how often do you get paid?

£

Step 2

📋 Fixed Bills

Regular bills that stay roughly the same

Quick Add
Use Quick Add above or add a custom bill below
Total Monthly Bills £0
Step 3

🧧 Spending Envelopes

Variable spending you want to control

Quick Add
Use Quick Add above or add a custom envelope below
Total Monthly Spending £0
Step 4

🎯 Savings Goals

What are you saving for? Set a target amount and deadline.

Quick Add
Use Quick Add above or add a custom goal below
Total Monthly Savings £0
Step 5

💳 Quick Debt Check

This helps us show you the most relevant next steps.

Credit cards, loans, overdrafts, etc. (not including mortgage)

🚨
Your plan exceeds your income! Reduce spending or extend savings timelines.
⚠️
Very tight budget! You have almost no buffer for unexpected expenses.
✅
Your budget looks good! You've allocated your income and have a healthy buffer remaining.
💡 Suggestions
    📊 Your Monthly Breakdown
    Income
    £0
    Bills
    -£0
    0%
    Spending
    -£0
    0%
    Savings
    -£0
    0%
    Buffer
    £0
    0%
    How your money is allocated
    Bills
    Spending
    Savings
    Buffer

    🧧 Your Envelopes

    💰
    Payday Checklist
    Every payday, put:
    Total to withdraw £0
    Part of DebtRiot — Free UK tools for getting your money sorted.

    How it works

    1

    Enter Your Income

    Add your monthly income — salary, benefits, side hustle, whatever comes in regularly.

    2

    Add Essential Bills

    Enter your fixed costs: rent, council tax, utilities, subscriptions. These get paid first, no exceptions.

    3

    Create Spending Envelopes

    Add envelopes for variable spending — food, travel, personal, kids. These are the categories you control.

    4

    Set Up Sinking Funds

    Plan for big expenses: annual car costs, Christmas, emergencies. Save a little each month so they don't catch you off guard.

    5

    Review & Adjust

    Check your leftover cash and adjust categories until the plan feels realistic. No shame in tweaking — that's how budgets actually work.

    Results & Next Steps

    If your result shows you have leftover cash after essentials, that’s useful. The next question is what to do with it.

    • If you have debt: use your leftover cash to compare payoff scenarios (snowball vs avalanche and more) in DebtRiot’s paid calculator. You’ll get a PDF plan and a monthly schedule you can follow.

    • If you have no debt: focus on a buffer (emergency fund) and sinking funds so your budget doesn’t break when life happens.

    Build My Plan

    We don’t need your creditor names. Keep your numbers private: your debt balances are not sent as analytics events. We use basic, privacy-friendly analytics to understand usage (e.g., start/complete and CTA clicks).

    Frequently Asked Questions

    • Cash stuffing (also called envelope budgeting) is a way to assign money to categories so your bills are covered first and your spending stays within limits. It’s a budgeting method, not a debt solution on its own.

    • Yes. The calculator is free to use. If you have debt and want a detailed payoff plan, DebtRiot offers a paid payoff comparison and a downloadable PDF plan.

    • It’s a practical way to build a working budget quickly. You can refine it over time by adjusting envelopes and adding sinking funds for irregular costs.

    • Sinking funds are mini-savings pots for predictable future expenses (annual bills, car repairs, holidays). They prevent surprises from blowing up your monthly budget.

    • You can use your leftover cash as a monthly overpayment. DebtRiot can compare payoff scenarios (snowball vs avalanche and more) using your numbers so you can choose what you can sustain. This is scenario information, not debt advice.

    • Start by cutting or reassigning envelopes, checking essential bills and looking for quick wins. If you’re struggling, consider free help from StepChange or National Debtline.

    • No. This is an informational planning tool and is not FCA-regulated debt advice. For regulated debt advice, contact an authorised debt advice charity or provider.

    • Your entered budget categories are processed in your browser. We do not collect your debt balances or creditor names via analytics.