Number of visitors
Pro Max Plan
Back To School
Step 1 of 8
Who's doing the school run? 👀
It's me, Mum
It's me, Dad
Step 2 of 8
What kind of mum are you?
No judgment. We just need to know.
Winging it
I'm the boss
Coffee first
I'm super
" "
Step 3 of 8
School run morning. How do you feel?
Be honest. This is a safe space.
" "
Step 4 of 8
How many kids are we talking about?
The more the merrier. And the more expensive.
Primary
(4-11)
0
Secondary
(ages 11-16)
0
" "
Pick birthday(s) month(s) to add to the plan
"0 Kids left to assign"
Step 5 of 8
Let's build your back to school list
Pick a budget for each item. Skip anything you already have.
Primary
-
Secondary
-
Your total so far:
£0.00
" "
But wait. That's just September.
What about the whole year? Growth spurts. School trips. Replacement everything.
Estimated full year (avg x2.8)
£0.00
"This estimate is based on CPAG and Loughborough University's Minimum Income Standard (MIS) research into average UK family school-year spending. It applies a ×2.8 multiplier to your September spend to reflect the full academic year cost — including school trips, replacement uniform, stationery, PE kit, and other school-related expenses from October through to July. Your actual costs may differ."
Step 6 of 8
Th Big Picture - The Full Year Cost
Everything you'll spend this school year, all in one place
The Grant Total Expenses Estimate Per Full Year
Back to school (September). Uniform, shoes, PE-kit & supplies
£0.00
Estimated rest of the year (x2.8) Oct-July
£0.00
Holidays & Birthdays
£0.00
Half terms x 4
£
Avg spend. Edit amounts
Summer
£
Birthdays (per child)
£
Christmas Budget for this year
" "
£0.00
Grand total expenses for the year
£0.00
* School trips & enrichment: UK Average School Year Costs 2024/2025 prices per child (CPAG/Loughborough University MIS research). Half term: UK family average per child per half term.
"Annual Christmas estimate based on average UK family spending patterns. Your actual costs may vary."
Are you ready for this cost?
Yes! I've got this covered 💪
No, I could really use some help 😅
Now, decide. What do you want to do?
💰 Just Save - no loan needed
Build savings from "pay yourself first" style and plan the year ahead.
💳 Family Loan + saving
£700, no credit check, via child benefit.
💼 CLEVR Deduct Loan + saving
£1,000, partner employer staff only - repaid via payroll. No credit check.
Loans are subject to affordability check. Learn more about the Family Loan and CLEVR Deduct Loan
Step 7 of 8
The Saving Strategy. Big Picture
Pay yourself first. Let your money work harder for your whole family
Your Full Year Balance Sheet Brief
💡Our Recommendation for a healthy saving that covers as much as possible without putting in any need for a loan is:
I want to save
£
/mo
Total savings
£0.00
Total Expenses
£0.00
£0.00/mo
Ending Balance
£0.00
" "
How to split your savings across accounts/needs
CLEVR Money offers different savings accounts for different goals:
🎄 Christmas Saver
£0.00/yr
🎒 Back to School fund
£0.00/yr
🏖️ Holidays & more
£0.00/yr
The Christmas Saver is a locked account - your money stays safe until you need it most.
Step 7 of 8
The Saving Strategy. Big Picture
How your child benefit works harder for your whole family
CLEVR Money never takes your whole child benefit. You choose what to save and the rest comes straight back to you.
Your Full Year Balance Sheet Brief
Per week (from HMRC)
£0.00
Per month (approx. (×52÷12)
£0.00
Based on current UK rates set from April 6th, 2026. Set by the UK Government..
💡Our Recommendation for a healthy saving that covers your expenses and pay back the monthly Family Loan £70.32 is:
£0.00 + £70.32 = £0.00/mo
I want to save
£
Total savings
Loan paid in:
Total Expenses incl loan:
/mo
£0.00
£700.00
£0.00
"Family Loan £700 is calculated as money received in September to cover costs. If the amount is not enough, a top up can be applied for during the year."
Ending Balance
£0.00
" "
💡Recommendation: How to split your savings across accounts/needs
CLEVR Money offers different savings accounts for different goals:
🎄 Christmas Saver
£0.00/yr
🎒 Back to School fund
£0.00/yr
🏖️ Holidays & more
£0.00/yr
The Christmas Saver is a locked account - your money stays safe until you need it most.
Step 7 of 8
The Saving Strategy. Big Picture
How your "pay yourself first" works harder for your whole family
Your Full Year Balance Sheet Brief
💡Our Recommendation for a healthy saving to cover the expenses and pay off the loan £100.47, that next year you have savings instead of taking another loan.
£0.00 + £100.47 = £0.00/mo
"CLEVR Deduct Loan £1,000 is calculated as money received in September to cover costs. If the amount is not enough, a top up can be applied for during the year."
I want to save
£
/mo
Total Savings
Loan paid in:
£00.00
£1,000.00
Total Expenses: incl. loan:
£0.00
Ending Balance
£0.00
" "
💡Recommendation: How to split your savings across accounts/needs
CLEVR Money offers different savings accounts for different goals:
🎄 Christmas Saver
£0.00/yr
🎒 Back to School fund
£0.00/yr
🏖️ Holidays & more
£0.00/yr
The Christmas Saver is a locked account - your money stays safe until you need it most.
Your Pro Max Plan
Full Year Round
The Year Summary
Child Benefit
£0.00
That is your key to build savings from.
Fully Repay Loan
£843.84
Into saving pots
£0.00
Back to you
£0.00
Standing Order
£0.00
This amount will save you from small loans and covers your expenses September to next August
CLEVR Deduct
£0.00
That is your key to build savings from.
Fully Repay Loan
£1205.53
Into saving pots
£0.00
Back to School
£0.00
Total amount spread throughout the year, It is there for the kids
School start amount
£0.00
Needs & Activities
£0.00
Holidays & More
£0.00
That's your play pot, spend it wisely, keep some for emergency.
Christmas
£0.00
That guarantees a festive time. Plan your spendings.
Monthly Savings & Spendings
Your plan starts in September — the biggest spend month of the year. If your pot shows a negative balance in the early months, that's normal. It reflects the reality of starting from scratch. The plan builds as you save each month, and by the end of the year your pot recovers. Actual amounts may differ.
"Don't worry — you can still get a top-up if you need more cash"
SEPTEMBER
" "
£00.00
In:
£00.00
Out:
£000.00
"Don't worry — you can still get a top-up if you need more cash"
JANUARY
" "
£00.00
In:
£00.00
Out:
£000.00
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
OCTOBER
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
FEBRUARY
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
NOVEMBER
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
MARCH
"Don't worry — you can still get a top-up if you need more cash"
£000.00
Out:
£00.00
In:
£00.00
" "
DECEMBER
"Don't worry — you can still get a top-up if you need more cash"
£000.00
Out:
£00.00
In:
£00.00
" "
APRIL
"Don't worry — you can still get a top-up if you need more cash"
MAY
" "
£00.00
In:
£00.00
Out:
£000.00
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
JUNE
"Don't worry — you can still get a top-up if you need more cash"
£000.00
£00.00
Out:
£00.00
In:
" "
JULY
"Don't worry — you can still get a top-up if you need more cash"
£000.00
Out:
£00.00
In:
£00.00
" "
AUGUST
"This Pro Max Plan is a visual planning tool only. It is not financial advice and should not be relied upon as such. The figures shown are illustrative estimates based on the information you provided and average UK spending data — they are not a guarantee, forecast, or recommendation. Your actual income, expenses, and circumstances may differ. CLEVR Money does not provide financial advice. If you need advice tailored to your personal situation, please speak to a qualified, independent financial adviser."
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