Make the pattern obvious, not decorative.
Every category is built from real transactions, annualised, with one-off events separated from the standing cost of your household — so an unusual year doesn't distort the figure you plan against.
- Housing is 41% of standing cost — £2,410 a month.
- Eating out is £184 above your six-month average.
- One-off events excluded this year: £3,940.
Three steps, no budgeting.
Open banking or statement files from any UK bank. Read-only, and never shared.
We categorise the rest and separate one-off events from your standing cost.
A gross salary target, a one-page breakdown, and scenarios for what would change it.
Know what life actually costs — gross.
We work back through income tax, National Insurance, student loan and pension to the salary that leaves your household funded, then show the consequence of a change before you make it.
Inform. Explain. Never shame.
Salary Genius describes what changed and what it costs you. No guilt, no restriction, no telling you how to live.
Eating out is £184 above your six-month average.
Reducing this by £150 a month would add £1,800 to your annual surplus.
January is forecast to fall £820 below your preferred cash buffer.
Two annual renewals land in the same week. Moving one clears the shortfall.
Your savings rate has held above 25% for nine months.
At this rate your twelve-month buffer target is met by April 2027.
Your first figure is free.
Keep going for £9 a month — unlimited accounts, full history, scenarios, and a monthly note when your standing cost moves.
One account, one cost-of-living figure, one salary target. Yours to keep.
Unlimited accounts, twelve-month history, scenarios, forecasting and monthly insight notes.
More informed, more in control, less overwhelmed.
Twelve months of bank activity is all it takes to replace a hunch with a figure.