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Evolution Money
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Take control of your finances. See exactly where your money goes.

Income and Expenditure Form

Secured Loans > Help & Advice > Income & Expenditure Form

Your monthly income

Simply work through the fields below to give you a clear picture of how much money you have coming into your household each month.

Estimated income total

Your monthly expenditure

Simply work through the fields below to give you a clear picture of how much money you have going out of your household each month.

Estimated expenditure total

Do you want to get your finances fighting fit and get your money management in better health?

If you want to organise your money and control your cash better – it’s important to get prepared.

Our simple and easy to use Income & Expenditure form could prove invaluable in helping you do this. Planning a budget using the form is a really good way to kick off your financial fitness regime. You need to be as honest and accurate as possible, but you can use the form to give yourself a healthy financial workout, and get your finances back on track.

Evolution Money Tip: Collect your paper work first

  • Dig out your payslips and have them handy to accurately record your monthly figure
  • Gather together all your bank and credit card statements to review

Start by calculating your income against your outgoings, and assess all the money coming in to your household. This includes your own salary or wages, your partners’ incoming and any benefits and pensions credits that you receive.

Next, record your essential outgoings. Your mortgage/rent, household bills, food, clothing and transport. Go through your statements and it should list all standing orders, and direct debits. To calculate the cost of your average food shop, collect all your receipts for the last month, add up all food spending, then divide by the weeks they cover to reach your average monthly spend.

You also need to make a note of all the other outgoings you have: phones and internet access, cost of running your vehicle such as maintenance and breakdown cover, and then meals at work or school – recording all this information will give you an accurate idea of what you are spending.

You should think about all your regular and irregular spending. Costs such as leisure expenses, dental and medical expenses, pet costs, along with outlays you have for hobbies and interests.

Evolution Money Tip: Being honest & as accurate as possible on the form will allow you to see exactly where your money is going each month.

Your disposable income should go towards repaying any debts you have. If this amount does not meet the contractual repayments agreed with your lenders and you’re struggling to repay what you owe, call us to find out how we could help you clear your debts at a rate you can afford.

For help and advice with your debt problems, our friendly team is just a phone call away.

How calculating you incomings and outgoings can benefit you

After filling in the form you’ll be able to see how much you realistically have as disposable income each month. Plotting your income and expenditure in this way can help you budget and even identify areas where you could cut back spending and save a little money each month.

  • Use it to manage your monthly budget and take control of spending
  • Use it to see where you can save each month
  • Use to see what your disposable income is and plan for your future

Knowing exactly what your outgoings, incomings and your disposable income is each month will benefit you in many ways, especially if you are thinking of taking out a loan to consolidate your existing debts, or looking to do some much needed home improvements. Recording all your financial particulars in an Income & Expenditure form will give you the clarity to see if you can afford a loan.

Evolution Money Tip: Prefer to talk to us directly? Call today

You can also speak to one of our expert finance team. We can help you go through your income and expenditure today and see what lending options are available to you.

Call us for a chat on 0161 814 9158.

Warning: Late payment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


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We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


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We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.


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Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

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Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

Freephone 0800 144 8188

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