Property Budget — Simon Frewin Property Academy

🏠 Si's Property Academy Starter Tool

This 50/30/20 framework starts helping you before you even think about your first deal.

Managing your personal budget is the start of your property investing journey.

Enter your income, enter your expenses, and the dashboard does the rest. You'll see exactly how much you've got left each month, whether you're hitting the 50/30/20 targets, and how that money compounds into your next deposit, your next deal, or full freedom.

The Framework

Every pound of income goes into one of three buckets.

Simple rules, applied monthly, beat clever plans you never follow. That's the whole point.

50%

🏠

Needs

The must-pays. The stuff that keeps the lights on and the roof overhead.

Mortgage or rent
Council tax, gas, electric, water
Food, transport, insurance
Minimum debt payments

30%

🎉

Wants

Life's supposed to be enjoyable. This is the bit that makes it worth the effort.

Dining out, takeaways
Holidays and travel
Hobbies, gym, subscriptions
Clothes, gifts, nights out

20%

📈

Save & Invest

The engine. This is the pound that buys you your future, your first deal, your freedom.

Emergency fund (3 to 6 months of needs)
Stocks & Shares ISA, Cash ISA
Pension top-ups
Property deposit pot

Monthly Take-Home

£6,300

£75,600 annually

Needs (50%)

£3,150

Essentials

Wants (30%)

£1,890

Lifestyle

Invest (20%)

£1,260

→ 10-yr: £0

Step 1 — Enter your numbers

💰 Your Monthly Expenses

Type your monthly spend into each box below. Totals, targets, charts and projections all update live as you go.

Total Income

£6,300

Total Expenses

£0

Left for Savings
£6,300

Expense

Budgeted

Actual (type here)

Diff

🏠 NEEDS — Mortgage, bills, essentials Target £3,150

Total Needs

£0

🎉 WANTS — Lifestyle, fun, subscriptions Target £1,890

Total Wants

£0

GRAND TOTAL EXPENSES

£0

Your Controls Inputs

Monthly Income

Primary Salary

Partner Salary

Side Hustle

Rental Income

Other Income

Total monthly income£6,300

Remaining for Savings & Investing

£3,415

That's 54% of your income — above the 20% target

50 / 30 / 20 Target Split (Si's framework)

🏠 Needs50%

🎉 Wants30%

📈 Invest20%

Needs £3,150 Wants £1,890 Invest £1,260

Projection Horizon

Years ahead10 yrs

✦

The Compound Engine

Investing £1,260/mo could grow to £0 over 10 years.

Target vs Actual 50/30/20

On track

🎯 TARGET (50/30/20 of income)

Needs£3,150 (50%)

Wants£1,890 (30%)

Save & Invest£1,260 (20%)

📊 ACTUAL (from your expenses)

Needs£2,380 (38%)

Wants£505 (8%)

Save & Invest£3,415 (54%)

You're saving 54% of your income. That's +34% above target. This is brilliant for building a property deposit — keep going.

Wealth Projection Compound

Year 1

£0

+£0

Year 5

£0

+£0

Year 10

£0

+£0

Year 20

£0

+£0

Investment Pots Where your 20% goes

£1,260/mo allocated

Pot / Rate

Monthly £

Current £

Unallocated savings £0

Optimisation Playground What if?

Current Path

£0

10-yr wealth

→

Optimised Path

£0

10-yr wealth

Extra wealth gained

+£0

Ready for the next step?

Your budget's sorted. Now let's turn it into a property portfolio.

If you've seen what your savings could compound into and you're serious about putting that money into property, book a free Accelerator Call with Si. Bring your numbers — you've already got them sorted above.

Book your Accelerator Call →

Free · 30 minutes · No sales pitch, just a plan

The 50/30/20 Budget Tool