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Home › Money and budgeting › Budget calculator

Monthly budget calculator.

Enter your monthly take-home income and spending to see what is left and where your money goes. It runs on this device and nothing is sent anywhere.

A planning tool, not financial advice. For free, impartial guidance, use MoneyHelper.

These are example amounts. Change them to yours.
Monthly take-home income
What reaches your bank account after tax, National Insurance, pension and student loan. It is on your payslip.

Paid every week or four weeks? Multiply one payment by 52 or 13, then divide by 12. Only know your salary? Estimate your tax on GOV.UK.

Essential spending

Bills you have to pay, plus food and travel to get through the month.

Gas and electricity
Fuel, fares, parking
Home, car, pet, life
Other spending

Things you choose to spend on.

Streaming, apps, gym
Eating out, clothes, fun
Debt repayments and savings

What you pay towards debts, and money you save.

Cards, loans, overdraft
Including savings goals and planned expenses

Saved only in this browser. Untick to delete them.

Left over £250 a monthSee breakdown

Your month

Coming in
£2,400
Going out
£2,150
Left over
£250

You have £250 a month left over.

How it splits

Compared with the 50/30/20 guide: roughly half on essential spending, 30% on other spending and 20% on debt repayments and savings. It's a rough guide, not a target you have to meet.

Your spending by group, as a share of take-home pay, next to the 50/30/20 guide
GroupPer monthShareGuide

Your three biggest costs

    How to budget your pay

    The CSV opens in Excel, Numbers or Google Sheets.

    Want to track your budget over time? The Monthly budget planner for Excel does the same sums on your computer and compares each month's spending with your plan. £7, one-off payment.

    Want it offline, every month? The Monthly budget planner (Excel, £7 once) has the same lines and sums, with a tab for each month and a year summary.

    More on budgeting