Household Budget Calculator

Use this detailed household budget planner to add regular income, housing costs, household bills, food, transport, debt repayments, lifestyle spending and savings. See your total income, total spending and estimated monthly surplus or shortfall in one place.

What to include in your household budget

• Income: employment, self-employment, benefits, pensions and other regular income.
• Home and utilities: rent or mortgage, council tax, energy, broadband, mobile, water and home insurance.
• Living costs: groceries, transport, childcare, healthcare, personal spending and subscriptions.
• Financial commitments: debt repayments, regular savings and other recurring costs.

Using your results

Use take-home figures and revisit your budget whenever your circumstances or bills change. The calculator runs in your browser and does not save the figures you enter. It is for general budgeting only and is not financial advice.

Where Utility Warehouse may fit

Eligible households can explore combining energy, Full Fibre broadband and mobile services into one monthly account. This may simplify payments and may include multi-service discounts, but compare the complete price, service availability and current terms before applying.

• UW Savings Calculator
• How Utility Warehouse bundles work
• Energy tariff guide