Married or in a civil partnership? You could get up to £252 a year back. Check Marriage Allowance

Free calculator

Budget planner

Enter your monthly take-home pay and your regular costs. We add it up and show what is left.

In pounds. After tax, including any partner income and benefits.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds.
In pounds. Childcare, subscriptions, gym, eating out, gifts.

Your result

Left over each month

-

  • Total spending-
  • Share spent on housing-
  • Left over in a year-

A guide only. Look at bank statements for the real figures, and remember yearly costs such as car tax and Christmas.

Browse free guides

Common questions

What if I spend more than I earn?

Start with the biggest bills. Check your energy, broadband and mortgage deals. If debts are a worry, get free help from a debt charity such as StepChange.

How much should go on housing?

Many lenders and money experts suggest keeping housing costs to around a third of take-home pay, but it depends on your situation.

Other free calculators

Calculator

Remortgage rate checker

See what a new deal could cost each month.

Use calculator
Calculator

How much can I borrow?

A rough guide based on your income.

Use calculator
Calculator

Stamp duty calculator

Work out the tax on your next home.

Use calculator

Free money guides

Plain English guides to cut your bills and plan your money.

Browse guides