Income worries
Get a free, digital financial health check
- Discover helpful hints, tips and ideas.
- Focus on your needs and goals.
- Senior Personal Bankers on-hand to help if you want.
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Budget calculator
Understand where your money’s going and take steps towards your life goals in 5 minutes.
We ask you for some details as you go through the budgeting tool, however none of this data is ever saved.
Plan your budget for free
- Tell us what your goal is - it helps us to know what you are planning for.
- Add your income - this can be your own or household. Got a side hustle? Add that in too.
- Add all expenses down to last penny.
- We'll give you a breakdown of your finances and provide some great tips and support that could help get you towards where you want to be.
It looks like you’re spending more than you earn
But that’s okay; we’re here to try and help get you back on track. You’ve got a great opportunity to make improvements – small and big – to reach your financial goals.
Take a look at your financial snapshot below and the tips underneath. These, and the handy tools on the Royal Bank app, may be able to help get you to where you want to be.
Here’s your report
It looks like you’ve got a great opportunity to squirrel money away and prepare to reach your financial goals.
Take a look at the tips below your financial snapshot – these, along with spending tools in our app, may help get you to where you want to be.
Your money could work harder for you
It looks like you’re on your way to achieving your financial goals. Now could be a great time to look at ways you may be able to make your money work that bit harder.
Take a look at the tips below your financial snapshot – these, along with the handy tools in our app, may be able to help get you to where you want to be.
Support with your banking needs
Do you need additional support with banking because your circumstances have changed? Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier.
The Banking My Way service is available to customers aged 16 or over in the mobile app or Digital Banking. For customers under 16, parental consent is required and information must be recorded in branch or over the phone.
Support with your banking needs
Do you need additional support with banking because your circumstances have changed? Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier.
The Banking My Way service is available to customers aged 16 or over in the mobile app or Digital Banking. For customers under 16, parental consent is required and information must be recorded in branch or over the phone.
Support with your banking needs
Do you need additional support with banking because your circumstances have changed? Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier.
The Banking My Way service is available to customers aged 16 or over in the mobile app or Digital Banking. For customers under 16, parental consent is required and information must be recorded in branch or over the phone.
Things to consider
Citizens Advice
Free debt advice
- Understand how to prioritise and pay off debts.
- Get your finances back on track.
- Information on choosing the right financial adviser.
MoneyHelper
Make your money choices clear
- Free support online, over the phone or face-to-face.
- Receive clear-cut money and pension advice.
- Understand how to make the most of your income.
Things to consider
Check-in with us
Get a free financial health check
Discover helpful hints, tips and ideas with a focus on your needs and goals. We have senior Personal Bankers on-hand to help.
Save some extra cash
Get into a regular savings habit
Why not let your money grow just by saving it for longer periods. We have a range of dependable accounts to choose from. Exclusively for current account customers, aged 16 and over. UK residents only.
Track your spending
Use our spending tracker through the app
If you have the Royal Bank app you can track all your spending, through our spending tracker. You can set and track budgets in different categories. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.
Things to consider
Save some extra cash
Get into a regular savings habit
Why not let your money grow just by saving it for longer periods. We have a range of dependable accounts to choose from. Exclusively for current account customers, aged 16 and over. UK residents only.
Investment guide
Help understanding investments
If you’re looking to build wealth over time, then investing your money could be a good way to start. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Track your spending
Use our spending tracker through the app
If you have the Royal Bank app you can track all your spending, through our spending tracker. You can set and track budgets in different categories. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.
Looking to buy a new home?
Our mortgage guides
Help with navigating the housing ladder
Getting a mortgage can seem tricky, with lots of things to consider and types of mortgages to compare. We've created some mortgage guides to help you through.
Home-buying costs
Costs to consider when buying a house
As well as your monthly mortgage payments, there are other costs to consider when buying a home. We've created a helpful checklist as a starting point for homebuyers.
How much could I borrow?
See your options and compare mortgage rates
Use our mortgage calculator to see how much you could borrow and compare our mortgage rates. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Saving for a big purchase?
Borrowing options
Consider all your borrowing options
You may want to consider borrowing money, we know it can be difficult deciding which product best suits your needs. We've summarised the options below for you to easily compare and contrast. Eligibility criteria applies.
Set up a savings goal
Use our Savings Goal Tool in the app
If you are a Royal Bank customer with an instant access savings account and our mobile app, you can use our Savings Goal Tool. Just decide on your goal, link the tool to your account and start saving. Criteria apply.
Manage your money
Helpful tips to help you manage your money
Take a look at our guides on budgeting, saving and dealing with debt. We have guides to show how to reduce your household bills and get help if you're struggling financially.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Getting hitched?
Master your budget
Our guide for better budgeting
A good first step toward taking control of your finances is to set-up a budget. It could help you avoid getting into debt, put you in a better position for unexpected costs and maybe help you save for the future.
Borrowing options
Consider all your borrowing options
You may want to consider consolidating debt by borrowing money, we know it can be difficult deciding which product best suits your needs. We've summarised the options for you to easily compare. Eligibility criteria applies.
Manage your money
Helpful tips to help you manage your money
Take a look at our guides on budgeting, saving and dealing with debt. We have guides to show how to reduce your household bills and get help if you're struggling financially.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Start planning that holiday
Tips for travelling
Be in the know, before you go
Have a read of our travel guide. With helpful tips and tricks for travelling abroad and coronavirus travel advice. We have advice for if your plans change and even tips on how to travel more sustainably.
Set up a savings goal
Use our Savings Goal Tool in the app
If you are a Royal Bank customer with an instant access savings account and our mobile app, you can use our Savings Goal Tool. Just decide on your goal, link the tool to your account and start saving. Criteria apply.
Manage your money
Helpful tips to help you manage your money
Take a look at our guides on budgeting, saving and dealing with debt. We have guides to show how to reduce your household bills and get help if you're struggling financially.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Trying to reduce your debt?
Borrowing options
Consider all your borrowing options
You may want to consider consolidating debt by borrowing money, we know it can be difficult deciding which product best suits your needs. We've summarised the options for you to easily compare. Eligibility criteria applies.
Struggling financially
Need some help managing your debt?
We've created some great guides for you to help you manage your debt and have free conversations about your money. Whether it’s consolidating debt or making card payments.
Manage your money
Helpful tips to help you manage your money
Take a look at our guides on budgeting, saving and dealing with debt. We have guides to show how to reduce your household bills and get help if you're struggling financially.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Want to add that extension?
Borrowing options
Consider all your borrowing options
You may want to consider consolidating debt by borrowing money, we know it can be difficult deciding which product best suits your needs. We've summarised the options for you to easily compare. Eligibility criteria applies.
Set up a savings goal
Use our Savings Goal Tool in the app
If you are a Royal Bank customer with an instant access savings account and our mobile app, you can use our Savings Goal Tool. Just decide on your goal, link the tool to your account and start saving. Criteria apply.
Manage your money
Helpful tips to help you manage your money
Take a look at our guides on budgeting, saving and dealing with debt. We have guides to show how to reduce your household bills and get help if you're struggling financially.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Steps you could take today
Consider investing
Make your money work for you
Royal Bank Invest offers you a quick and simple way to help you make your money work harder. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Life moments
Supporting you through life’s biggest events
Our life moment guides help lay the groundwork for you now for the future. Get help planning ahead for a wedding or children and plan for events later on in life.
Set up a savings goal
Use our Savings Goal Tool in the app
If you are a Royal Bank customer with an instant access savings account and our mobile app, you can use our Savings Goal Tool. Just decide on your goal, link the tool to your account and start saving. Criteria apply.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).
Become a budget master
Better budgeting
Our guide to get your budget back on track
A good first step toward taking control of your finances is to set-up a budget. It could help you avoid getting into debt, put you in a better position for unexpected costs and maybe help you save for the future.
Struggling financially
Are you worried about money?
We've created some great guides for you to help you manage those worries. You can get in touch for free conversations about your money. Whether it’s consolidating debt or making card payments.
Money saving tips
Our guide on how to start savings
Master your monthly budget with our guide on how to start saving. We can help break through the jargon to help you put money away for a rainy day, or a nice holiday.
Stay in control on-the-go
- See all your spending and set budgets
- Set up round-ups to save extra cash
- Criteria apply
- Check your credit score
- Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion
App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Rounds Ups is available to customers with an eligible current account, instant access savings account and the Mobile App. Once you’ve set it up, it’ll automatically work with all debit card and contactless device payments (in sterling).