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Money habits
Handy tools to help manage your money
Yet to master money management? Here are six simple tools that could put you on the right path.
Managing your money can be overwhelming. Keeping on top of your income versus your outgoings, budgeting for those bigger purchases and unexpected costs, and trying to stash some cash away for a rainy day can end up feeling like a juggling act.
But it doesn’t have to be this way – we know a trick or two that can help. Here are eight tools to check out that’ll help you kickstart your journey to better money management.
NatWest App
With our handy app, access to your accounts is always at your fingertips. You can quickly check your balance and recent transactions, transfer money, and pop over a message to customer support 24/7.
Better still, our app is safe and easy to use – simply login securely with your fingerprint or facial recognition on your phone or tablet.
Our App is available to customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Fingerprint and facial recognition are available on selected devices.
Savings Goal Tool
So, you’re keen to start saving for something big? Let us help. Just tap how much you want to save into our Savings Goal Tool in our App, add a target date and it’ll tell you how much to save each month to get there. Following a plan could make a big difference and using a tool like this makes it super simple.
Our App is available to customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Budget calculator
Budgeting can be difficult, especially if your income and outgoings are different every month. Our budget calculator helps you keep on track: tell us what your goal is and add your income and outgoings.
We'll give you a breakdown of your finances and provide some great tips and support that could help get you towards where you want to be. We ask you for some details as you go through the budgeting tool, however none of this data is ever saved.
Income Tax calculator
A great one for those who are self-employed, this tool on the government’s website helps you estimate how much Income Tax and National Insurance you may need to pay for the current tax year. You might even be owed a refund from a previous tax year – it’s always worth checking.
Round Ups
If you’re finding it hard to save money right now, Round Ups could make it a little easier. Every time you buy something on your NatWest debit card or contactless device, we’ll round it up to the nearest pound and send the spare change to your savings account. For example, say you buy a coffee for £2.30 – Round Ups will put away 70p for you. It’s a brilliant way to save without even thinking about it!
Round Ups is available to customers who have an eligible current account, an eligible instant access savings account and are registered for the NatWest Mobile App. Round Ups can only be made on debit card and contactless payments in Sterling.
Our App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.
Benefits calculator
If you’re struggling to make ends meet, check whether you’re entitled to extra support. Answer a few quick questions and this calculator can give you an idea of which benefits you may be able to claim.
Looking for support with your finances?
Our free Financial Health Check offers a review of your personal finances, with helpful hints, tips and ideas to help you get financially fitter, both now and in the future.
Video banking calls may be recorded and service hours may apply. You’ll need a device that has a camera or webcam, and a connection to the Internet.
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This content is for information purposes only and shouldn’t be regarded as financial advice. While we’ve taken every effort to make sure this information is as accurate as possible, it has not been independently verified.