UK · Free calculator
Budget calculator
Build a simple monthly budget and see what is left to save.
Your figures
Rates updated 2026-04-06. Results update as you type.
- Left to save / spend
- £680.00
- Total expenses
- £2,120.00
- Savings rate
- 24%
Monthly spend
- Housing £1,100.00
- Bills £220.00
- Food £350.00
- Transport £150.00
- Lifestyle £300.00
- Leftover £680.00
How this calculator works
Expenses are summed and compared with income.
Household on £2,800 take-home
Typical rent, bills, food, transport and lifestyle costs.
Assumptions & sources
- Monthly figures.
- Does not categorise debt repayments separately.
- Simple income-minus-expenses budget
Frequently asked questions
Rules of thumb vary; many aim for 10–20% of take-home when possible. Use the leftover figure as your starting point.
Estimates only
Handy Money Tools provides illustrative figures, not personalised financial or tax advice. Verify
important decisions with official sources or a qualified adviser.
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