Free Tool
Income & Expenditure Statement
The document creditors ask for when you negotiate reduced payments. Fill in your monthly income and outgoings, then print it or save it as a PDF to share with your credit card company or lender.
100% private, your figures never leave your device and are not stored.
Monthly Income & Expenditure Statement
Prepared on 28 October 2026 · All figures monthly
Total income
£0.00
Total outgoings
£0.00
Available surplus
£0.00
💷 Monthly Income
£0.00£
£
£
£
£
£
🏠 Housing
£0.00£
£
£
£
💡 Utilities & Bills
£0.00£
£
£
£
🛒 Living Costs
£0.00£
£
£
£
🚗 Travel
£0.00£
£
£
👨👩👧 Family & Other
£0.00£
£
£
£
💳 Current Debt Repayments
£0.00£
£
£
£
Choose "Save as PDF" in the print dialog to keep a digital copy
How to use this with your creditors
- Fill in every essential outgoing honestly, creditors expect to see realistic living costs, not zero.
- Your available surplus is what you can genuinely offer across all your debts each month.
- Call each creditor, explain your situation, and offer a payment based on this statement, they may freeze interest or accept reduced payments.
- Keep a copy of what you sent and note the date, who you spoke to, and what was agreed.
- If your surplus is very small or negative, contact a free debt charity before agreeing to anything.
Struggling or facing a shortfall?
