M-KOPA.
CalculatorApply now
M-KOPA EVERYDAY+

Money tools you can
come back to.

Plan a monthly budget and understand borrowing costs, whether you are considering credit, repaying it or have already settled.

Free to use · No account or borrowing required
MONTHLY BUDGET WORKSHEET

See what is left after the essentials.

List your income, household costs and existing repayments. Set aside a buffer before deciding what you can afford.

  1. Open the CSV file in your spreadsheet app.
  2. Enter monthly amounts and work out what remains.
  3. Update your copy when your income or costs change.
Download budget worksheet Your completed worksheet stays on your device. Nothing is uploaded.
TWO-MINUTE LESSON

Interest is only part of the cost.

Use a worked example to separate the amount borrowed from the full cost of credit, including interest and fees.

Includes one practice question

When you need more detail

Compare repayment estimates Plan your loan repayments Ask for a settlement quotation Get help with payment difficulties

Everyday+ is a collection of free resources. It has no points, cash rewards or credit-limit benefits and does not change a loan agreement.