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Be as honest and accurate as possible for the best results

Your data will not be saved anywhere, and you can use this tool completely anonymously. Please wait for the system to analyse your finances, as it thinks for a few seconds before responding sometimes.

12 Month Money Reset Planner

Answer a few simple questions and get a realistic plan for the next 12 months.

Step 1 of 9

Step 1: About your household

Tell us a little about your situation so the plan feels realistic.

Step 2: Money coming in each month

Please enter the amount that usually reaches your bank account each month.

Step 3: Essential bills and living costs

Please include the amount you usually pay each month.

Estimates are okay for now.

Step 4: Costs that do not happen every month

These are costs people often forget. We will spread them across the year.

Step 5: Your debts

Add each debt separately. If you do not know every detail, fill in what you can.

This planner helps organise your budget and next steps. It is not a regulated debt advice service.

Step 6: Savings and backup money

Step 7: What matters most to you

What feels realistic to review right now?

This helps us build a plan around what feels possible for you, not just what could be cut on paper.

For example, you may want to protect one small treat each month, or avoid too many changes at once.

Step 9: Review and consent

Check your answers below before you save and calculate your summary.

Your answers will appear here before submission.

About Hi Financial

Hi Financial is a simple online tool that helps you take all your money worries and monthly costs, lay them out clearly, and turn them into a realistic step-by-step plan for the next year.

It was designed to help people feel less overwhelmed, by showing what matters most, what can wait, and what small changes could make a real difference.

Designed by an AI expert to access real-time information, and provide an up-to-date and relevant plan for you.

If you need urgent help, please use the resources linked to the button on the right >>