Budget planner 2027 UK
A simple monthly budget in pounds. Start with take-home pay, take off the bills, then plan everyday spending and saving.
Quick budget calculator
Left for spending and saving each month:
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UK household bills checklist
- Rent or mortgage
- Council tax
- Energy (gas and electricity)
- Water
- TV Licence
- Broadband and landline
- Mobile phones
- Home and contents insurance
- Car insurance, road tax and MOT
- Childcare
- Subscriptions
- Debt repayments
Budgeting tips
- Budget from take-home pay, not salary before tax.
- Council tax is often paid over 10 months; ask your council about 12 instalments to spread the cost.
- Use sinking funds for costs you know are coming, such as Christmas, car repairs and birthdays.