Income and expenditure calculator
Review your income and spending to help understand affordability and budgeting.
Input Frequency
Enter all figures for the same period — results are shown monthly & annually
Income
£0Employment
Salary (take-home / net)
£
Other Income
Benefits / tax credits
£
Pension income
£
Rental income
£
Total Income
Expenditure
£0🏠 Housing
Mortgage / rent
£
Council tax
£
Buildings / contents insurance
£
⚡ Bills & Utilities
Gas & electricity
£
Water
£
Broadband & phone
£
TV licence & streaming
£
🚗 Transport
Fuel
£
Car insurance & tax
£
Public transport
£
🛒 Food & Groceries
Weekly food shop
£
Eating out / takeaways
£
✨ Lifestyle & Leisure
Gym / sports / hobbies
£
Clothing & personal care
£
Holidays & travel
£
📦 Other Commitments
Loan / credit card payments
£
Childcare / school fees
£
Pension contributions
£
Savings & investments
£
Total Expenditure
Budget Summary
Monthly Income
—
—
Monthly Outgoings
—
—
Monthly Surplus / Deficit
—
—
Spending by Category
🏠 Housing —
⚡ Bills & utilities —
🚗 Transport —
🛒 Food & groceries —
✨ Lifestyle & leisure—
📦 Other commitments —
Total outgoings—
Monthly vs Annual View
Monthly income —
Monthly outgoings—
Monthly surplus / deficit—
Annual income —
Annual outgoings —
Annual surplus / deficit—
Budget Insights
This calculator is for illustrative and budgeting purposes only. Figures are based on the values you have entered and do not account for tax, National Insurance, or changes in income. For mortgage or credit affordability assessments, lenders will conduct their own detailed affordability checks. Always seek independent financial advice if you are making significant financial decisions.