How does the Boshhh Money App calculate my disposable income?

We calculate this by analysing your monthly net income and deducting all essential living costs detected through Open Banking.

Does the Boshhh Money App show my average disposable income over time?

Yes, we track your spending behaviour over 6–12 months to give a more accurate picture of your financial health.

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What is disposable income?

Q: What is disposable income?

Disposable income is what’s left after subtracting your essential spending from your income. It shows how much you have to save or spend.

Q: Why is disposable income important to lenders?

It shows lenders whether you can afford new credit or financial commitments without overstretching.

Q: Can I improve my disposable income?

Yes — by increasing your income, reducing essential costs, or paying down debt, you can raise your monthly disposable income.

Disposable income is what's left after paying for all your essential monthly costs. It shows your real financial breathing room.

How we calculate your disposable income

Net monthly income

Your total income after tax

Essential spending

All your must-pay expenses

Disposable Income

Your financial breathing room

Based on real data

Calculated using the last 6–12 months of your bank transactions

Based on real data

Calculated using the last 6–12 months of your bank transactions

Based on real data

Calculated using the last 6–12 months of your bank transactions

Based on real data

Calculated using the last 6–12 months of your bank transactions

Automatically updated

Refreshes as your income and spending patterns change

Automatically updated

Refreshes as your income and spending patterns change

Automatically updated

Refreshes as your income and spending patterns change

Automatically updated

Refreshes as your income and spending patterns change

Personalised to you

Reflects your unique financial situation, not generic estimates

Personalised to you

Reflects your unique financial situation, not generic estimates

Personalised to you

Reflects your unique financial situation, not generic estimates

Personalised to you

Reflects your unique financial situation, not generic estimates

Why your essential spending matters

If you regularly have money left over at the end of the month, it shows lenders you're in a good place to take on credit responsibly.

Your disposable income is a key indicator of financial health. It shows how much flexibility you have for savings, investments, or taking on new financial commitments.

If you regularly have money left over at the end of the month, it shows lenders you're in a good place to take on credit responsibly.

Your disposable income is a key indicator of financial health. It shows how much flexibility you have for savings, investments, or taking on new financial commitments.