SOA Calculator

understand your financial position

Enter your income, expenditure, debts and assets, then click Calculate

Statement of Affairs

understand your financial position

Enter your income, expenditure, debts and assets, then click "Calculate". Your SOA results can be formatted for printing or for posting on a discussion board to seek comment from others. The format for print option can also be used to share your SOA with advisors such as the Citizens Advice Bureau (CAB) or CCCS. Your SOA data can also be saved for future use.

Enter your income details
Amount (£)
Monthly Income (after tax)
Partner's Monthly Income
Other Income (e.g. maintenance payments)
Enter your monthly expenditure
Amount (£)
Mortgage payment (from secured debt table below)
Secured/HP loans (from secured debt table below)
Management Charge (e.g. on leasehold property)
Council Tax
Water Rates
Telephone (land line)
Mobile Phone
TV Licence
Satellite/Cable TV
Internet Services
Groceries etc.
Road Tax (car)
Car Insurance (including breakdown cover)
Car Maintenance (including MOT)
Car Parking
Other Travel
Other child related expenses
Medical (prescriptions, dentists, opticians etc.)
Pet Insurance/Vet bills
Building Insurance
Contents Insurance
Life Assurance
Other Insurance
Presents (birthday, christmas etc.)
Household Emergency Fund (e.g. for repairs)
Enter SECURED debts and Hire Purchase (HP) debts

Enter ALL your mortgage, secured and HP debt details here.

Debt description Debt (£) Monthly payment (£) Annual Rate (%)
Secured debt
Hire Purchase (HP)
Enter your UNsecured Debts e.g. credit cards
Debt description Debt (£) Min Pay (£) Annual Rate (%)
Enter the value of your assets
Asset Value (£)
House value (gross)
Shares & bonds
Other assets (e.g. endowments, jewellery)
Additional Information

Optional information, but very useful for anyone reviewing your SOA.

Number of adults in household
Number of children in household
Number of cars owned
Main functions...

Format results for discussion boards (optional)

Next Steps (optional)

Load and save your data (optional)

Click here for our SOA privacy and usage information.

Warning Messages
Summary of Monthly Income, expense and surplus

Personal Balance Sheet Summary