If you're new to being a student you're probably also having to manage your finances yourself for the first time. This website is here to help.
Master Your Budget at University with Confidence
Discover the tools and insights you need to manage your finances effectively, tailored specifically for students.
Student life is easier when your money is under control
Going to university is exciting, but for many students it is also the first time they have had to manage a significant amount of money themselves.
Student finance can arrive in large instalments, while rent, food, travel, bills, course costs and social spending happen throughout the year. It can be surprisingly easy to spend too much at the beginning of term and find yourself short of money later.
This website is here to help.
You can use our free budgeting tools and practical advice to understand what money you have coming in, where it is going, and how much you can safely afford to spend.
There are no lectures and no judgement. Just straightforward information designed to help you make your money last.
Start with your budget
The best way to take control of your finances is to understand exactly where you stand.
Our budgeting calculator helps you enter your income and expected costs and works out how much money you really have available each week or month.
Worried about money?
Money problems are usually much easier to deal with when you ask for help early.
If you think you may struggle to pay your rent, buy food, travel to university or meet another essential cost, don’t wait until the problem becomes an emergency.
Your university may have financial support, hardship funding or specialist advisers who can help.
Find out where to get help
Money advice for student life
Find practical information about:
- Student finance
- Rent and accommodation
- Food and shopping
- Household bills
- Travel
- Social spending
- Overdrafts
- Credit cards and borrowing
- Subscriptions
- Unexpected costs
- Scams and fraud
- What to do if you are running short of money
Income Management
Learn how to maximize your income streams and manage your earnings efficiently.
Living Arrangements
Find the best living options that suit your budget and lifestyle.
Spending Wisely
Get tips on how to control your spending and save more money.
Risk Management
Understand potential financial risks and how to mitigate them.
Budget Planning
Develop a personalized budget plan that works for you.
Financial Resources
Access a variety of resources to enhance your financial literacy.
General Guidance Notice
Please be aware that the advice provided on this platform is intended for general informational purposes only. It does not constitute regulated financial advice and should not be relied upon as such.
For personalized financial advice, we recommend consulting with a qualified financial advisor who can assess your individual needs and circumstances.
“Using the budgeting tools on Student Financial Planning has completely transformed how I manage my finances. I feel more in control and less stressed about my spending habits.”
Jonathan
University Student
“The financial guidance provided helped me understand how to better allocate my student loan. It’s been a game-changer for my monthly budgeting.”
Trixie
Graduate Student
“I never realized how much I could save until I started using the budget calculator. It’s simple, intuitive, and incredibly effective!”
Shaheen
First year Student
“Thanks to the advice from Student Financial Planning, I’ve been able to cut unnecessary expenses and focus on saving for my future.”
Jonny
Postgraduate Researcher
Common Questions About Budgeting
Explore answers to some of the most frequently asked questions about managing your finances as a student.
How can I start creating a budget as a student?
Begin by listing your income sources and expenses. Use our budget calculator to categorize and track your spending, ensuring you allocate funds for essentials and savings.
You don’t need to set-up an account, but if you do you’ll be able to track your progress.
What are the best ways to save money while studying?
Consider cooking at home, using student discounts, and setting a weekly spending limit. Regularly review your budget to identify areas where you can cut costs.
How does the budget calculator work?
Our calculator allows you to input your income and expenses, providing a clear overview of your financial situation. It helps you see where your money goes and suggests adjustments for better management.
Why is financial planning important for students?
Financial planning helps students avoid debt, manage their resources effectively, and build a foundation for financial stability after graduation.