Good Salary, Empty Account: your free tools

My book is available on Amazon. Good Salary, Empty Account is by Dr Kalpana Govindaraasan. This is my own book; I earn royalties from sales.

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Thank you for reading Good Salary, Empty Account. Find the free workbook and resources mentioned in the book here, chapter by chapter.

Free printable workbook

Download the A4 workbook to review your spending, organise your bills and track your progress over 90 days. It includes your £1,000 Challenge tick sheet.

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Calculators and guides, chapter by chapter

Introduction and Chapter 1: Where does it all go?

• 50/30/20 budget calculator
• Subscription cost calculator
• Council tax discount calculator
• Marriage Allowance calculator
• Universal Credit taper calculator

Chapter 2: The creep

• Fiscal drag calculator
• Salary sacrifice pension calculator
• Student loan repayment calculator
• Child Benefit tax calculator

Chapters 3 and 4: Your first £1,000, and surprises

• Emergency fund calculator
• How I made £180 fast selling on local Facebook groups

The £1,000 Challenge and sinking funds worksheet are in the workbook above.

Chapters 5 and 6: Borrowing traps and debt

Free, confidential debt help is available from StepChange, National Debtline, Citizens Advice and MoneyHelper. You can get debt advice without paying a fee.

Chapter 7: When your rent or mortgage goes up

• Compare Two Mortgages Calculator UK
• MoneyHelper mortgage calculator
• First-time buyer mortgage checklist
• Rent vs buy calculator

Chapter 8: Energy and household bills

• Ofgem energy price cap calculator
• Council tax discount calculator
• How I saved £400 on car insurance
• How I ditched Sky and saved £560 a year
• The script I used to cut my broadband bill

Chapter 10: Childcare and Child Benefit

• Child Benefit tax calculator
• Salary sacrifice pension calculator
• 60% tax trap calculator
• Universal Credit taper calculator

Chapter 12: Getting around

• Fuel and commute cost calculator

Chapter 15: Day 90

• Emergency fund calculator
• Cash ISA vs Premium Bonds calculator

Browse every free tool at moneysavvyuk.com/calculators.

The book and this page give general information, not personalised financial advice. Rules and figures change, so check the relevant official source.

Dr Kalpana Govindaraasan is the founder of MoneySavvyUK, a PhD scientist, former science teacher and UK mum. She came to the UK in 2008 with £1,000 during the financial crisis. Living on one salary at a time, her family saved £36,000 in three years—a 20% deposit—and bought their first home in 2011. She shares how they managed it, alongside practical money-saving experience and step-by-step guides to help you cut everyday costs, plan your spending and work towards your own goals. She also publishes on Medium and Amazon. Read her story. She is not a financial expert or financial adviser; her writing shares personal experience and general information.