Finance Calculator · UK
Enter your income and expenses — see exactly where your money goes
A monthly budget works by mapping your take-home income against all your outgoings. Start with essentials — rent or mortgage, utilities, food, transport and minimum debt repayments. These are non-negotiable and should account for no more than 50% of your income according to the popular 50/30/20 rule. The remaining 30% covers discretionary spending like dining out and entertainment, and the final 20% goes to savings and additional debt repayment.
Most UK households overspend on subscriptions and dining without realising it. Running this budget planner monthly — especially after pay day — helps you spot leaks before they compound. Even a £200/month surplus invested consistently can grow significantly over 10–20 years thanks to compound interest.
To calculate your monthly take-home pay to enter above, use our Take-Home Pay Calculator. To put your surplus to work, see our Savings Goal Calculator.