How do I create a monthly household budget in the UK?
List take-home income and costs by category. This tool totals spending and shows how much is left each month.
Budget Planner
Track monthly income and spending across different categories to see where your money goes and how much you have left over.
Your budget
Total income
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Total expenses
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Left over
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Spending by category
| Category | Monthly |
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Spending breakdown
Share of your monthly spending in each category group.
Income vs spending
Compare monthly income, expenses, and what is left over.
Needs, wants, and savings
How your spending splits across common budget buckets. Guideline for many households: 50% needs, 30% wants, 20% savings (of income).
How this planner works
Enter monthly take-home income and spending by category. The planner totals expenses, shows what is left over, and groups costs into needs, wants and savings for a 50/30/20-style view.
Who this is for
UK households mapping income against regular bills and discretionary spending. Use the results to spot savings opportunities or feed figures into the emergency fund planner.
How to use this tool
- Enter employment and other monthly income.
- Fill in expense categories that apply to your household.
- Review income, total expenses and leftover cash.
- Compare your needs, wants and savings split against the guideline chart.
Frequently asked questions
What is the 50/30/20 budget rule?
A common guideline: about 50% needs, 30% wants, 20% savings. The chart compares your split — adjust to your circumstances.
Can I use this budget for an emergency fund plan?
Yes. Saved budget data can be imported into the emergency fund planner for take-home income and essential outgoings.
Is my budget data stored online?
No. Figures stay in your browser’s local storage and are not uploaded.
Important: Figures are indicative estimates based on the information you enter. This tool is for planning and illustration only and does not constitute regulated financial, tax or investment advice.