9:41
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£
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9:41
WiFi
Loan
What is your maintenance loan?

Enter your total maintenance loan for all 3 terms. Affordly splits it into a term budget and runway.

Total maintenance loan
£
We'll use £5,040 per term from your £15,120 annual loan.
9:41
WiFi
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9:41
WiFi
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9:41
WiFi
Good morning,
John Doe
JD
Current Balance
£1,284.52
Maintenance loan · Spring term
+£115/wk job
Maintenance loan payments
Oct
£5,040
Jan
£5,040
Apr
£5,040
Term Spend
£3,756
Bills Left
£802
Next loan
77d
Income Left
£1,265
Income flows
Expected money before the next maintenance loan payment.
£0 due
Monthly budget add-on
Other income added to budgets.
Spring Term Budget Jan Apr
£1,284 of £5,040 remaining
75% spent
Next instalment due ~1 Apr Est. £5,040
Savings goals
Set money aside without losing sight of your daily runway.
£0 saved
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Cut train fares before the next term break. Premium removes sponsor cards.
Runway warning system
Youll run out in 18 days
You're currently £4/day over target. Slow down slightly to make your next instalment comfortably.
Over target
Upcoming Expenses £813.98 total
Rent
Due in 5 days 20 Apr
£750
Frequency
Monthly
Payment
Direct Debit
Category
Housing
% of loan
21.4%
Impact on safe-to-spend
High
After this payment you'll have £534 left. That's 77 days until your next maintenance loan instalment budget carefully.
Netflix
Due in 8 days 23 Apr
£17.99
Frequency
Monthly
Payment
Card
Category
Streaming
Annual cost
£215.88
Impact on safe-to-spend
Low
Tip: Splitting with a flatmate could cut this to £8.99/mo saving £108/year across your degree.
Phone Contract
Due in 12 days 27 Apr
£35
Frequency
Monthly
Payment
Direct Debit
Contract ends
Aug 2025
Annual cost
£420
Impact on safe-to-spend
Medium
Contract ends Aug 2025. Switching to SIM-only could save ~£15/mo worth checking nearer the time.
Spotify
Due in 15 days 30 Apr
£10.99
Frequency
Monthly
Payment
Card
Plan
Individual
Student rate?
Not applied
Impact on safe-to-spend
Low
You may qualify for Spotify's student discount at £5.99/mo saving £60/year. Verify at spotify.com/student.
Afford Check
Ask the AI
Insights
This week
Transactions
Last 7 days
Budgets
Monthly + term
Recent See all
Tesco Express
Groceries Today, 8:12am
-£7.40
Pret a Manger
Food & Drink Yesterday
-£4.95
TfL Contactless
Transport Yesterday
-£3.80
Afford
Budgets
Home
Insights
Transactions
9:41
WiFi

Afford Check

Safe Today
£23
Daily Budget
£16
Next loan
77d
Maintenance Loan runway: 77 days
Your remaining £1,284 needs to cover £802 in bills + daily living until ~1 Apr. Every pound counts.
How much do you want to spend?
£
Quick check
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Budgets
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9:41
WiFi

Budgets

£670 total
Fixed
£802
Rent, bills, subscriptions
Variable used
72%
Food, travel, social
Youve spent 72% of this month's variable budget.
Other monthly income
Added to your monthly budget capacity.
Monthly budgets
Tune this month's category limits.
£670 total
Recommended monthly budget
Based on your monthly income after fixed costs and savings.
Income
£0
Savings
£0
Flexible
£0
Overall term budget
One cap for the whole Jan-Apr term.
Term
Spring term cap
Spent so far across the term.
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Budgets
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Insights
Transactions
9:41
WiFi

Insights

This Week
Total Spent
£143.80
24% vs last week
63%
term used
Daily Spending
Mon
Tue
Wed
Thu
Fri
Sat
Sun
By Category
Groceries
£48.20
Eating Out
£39.50
Transport
£31.80
Shopping
£24.30
AI Alerts
Maintenance Loan runway alert
At your current pace, you'll run out 18 days before your April instalment. Cut daily spend by £4 to stay on track.
Spending faster than usual
You're 24% over your typical Thursday spend. Consider holding off on non-essentials today.
Coffee habit: £38/month
14 visits to Pret this month that's £456/year or 13% of one full maintenance loan instalment.
Transport down 12%
You saved £4.20 this week vs last. Keep it up!
Weekly OverviewAuto
Week
Month
Term
Total spent
£143
Top category
Coffee
Vs last week
+24%
Key stat: £38 on coffee and £143 total so far this week.
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Cash Flow TimelinePremium
Today next maintenance loan
Shows dips from rent/bills and next income spike.
Today
£1,284
Rent dip
£534
Late term
£126
Next loan
+£5,040
Subscriptions£89.97/mo
Monthly
£89.97
Yearly
£1,079
Of income
2.6%
Netflix
Renews 22 Apr High cost for weekly use
£17.99
Spotify
Student discount available save £60/yr
£10.99
Dropbox
Low usage detected
£9.99
Adobe CC
Largest subscription 61% of monthly subs
£54.99
Premium Insights
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Budgets
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Insights
Transactions
9:41
WiFi

Transactions

Search transactions...
All
Food
Transport
Shopping
Today
Tesco Express
Groceries 8:12am
-£7.40
Pret a Manger
Food & Drink 7:45am
-£4.95
Yesterday
TfL Contactless
Transport 9:20am
-£3.80
ASOS
Shopping Online
-£34.99
Maintenance Loan
Income Spring instalment
+£5,040.00
Deliveroo
Food & Drink 8:32pm
-£18.50
Monday
National Express
Transport Online
-£12.50
Itsu
Groceries 1:15pm
-£6.95
Octopus Energy
Bills Direct Debit
-£65.00
Afford
Budgets
Home
Insights
Transactions
9:41
WiFi

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