See how much money you really have left each month after rent, mortgage, bills, food, travel, annual costs and essential household spending.
This calculator shows your monthly breathing room after essential costs. It also includes irregular annual costs, so things like car servicing, Christmas, birthdays and insurance renewals do not quietly wreck the budget later.
Useful checks if your leftover figure feels lower than expected.
Browse budgeting, household cost and home planning calculators.
View hubCheck the real cost of buying and running a specific property.
Use calculatorIt estimates how much money you have left each month after your income is compared with essential costs and regular commitments.
Include housing, council tax, utilities, food, transport, insurance, debt minimums, childcare and unavoidable monthly commitments.
Annual costs often cause budget problems because they are easy to forget. Spreading them monthly gives a more realistic leftover figure.
Yes, if you normally spend on them. Adding them as annual costs helps avoid treating the leftover money as fully available every month.
It is a simple budgeting idea where around 50% of income goes to needs, 30% to wants and 20% to savings or debt repayment. It is only a guide, not a strict rule.
It depends on your income and household size. A useful leftover should cover flexible spending, savings, emergencies and irregular annual costs.
Daily leftover makes the result easier to understand. A monthly amount can look large until it is divided across the month.
Yes. If your leftover figure is low or negative, it can show why debt is hard to reduce and why extra borrowing may create pressure.
